Vitals
  • Total Assets
    93.9M 3.7 %
  • Total Deposits
    83.0M 3.3 %
  • Total Net Loans
    28.0M 1.4 %
  • Net Income
    -48000.0000 -112.2 %
  • Book Value
    9.9M 3.1 %
  • Book Value x2
    19.8M 3.1 %
  • Book Value x3
    29.6M 3.1 %
ROAA

-.054

ROAE

-.542

Efficiency Ratio

106.947

Net Interest Margin

2.665

Balance Sheet Highlights
Financial Highlights The Citizens State Bank Of Ouray All Insured Commercial Banks in Colorado
Balance Sheet $(000)
Total Assets 93,883 406,389
Total Net Loans 28,024 257,573
Total Deposits 83,023 344,879
Total Equity 9,880 40,990
Profitability
Net Income -48 4,034
Return on Average Assets -.054 1.068
Return on Average Equity -.542 9.983
Net Interest Margin 2.665 3.933
Efficiency Ratio 106.947 70.399
Noninterest Income/Revenue 58.147 23.071
Balance Sheet Ratios
Loan-to-Deposit 33.755 73.804
Securities/Assets .515 .203
Total Equity/Total Assets .105 .101
Tangible Equity/Tangible Assets .098 .096
Capital Adequacy
Tier 1 Common Capital 9,586 39,094
Tier 1 Capital 9,586 39,135
Tier 2 Capital 67 3,076
Total Capital 9,653 42,210
Total Risk Weighted Assets 38,894 288,026
Leverage Ratio 9.84 10.22
Common Equity Tier 1 Capital Ratio 24.65 15.667
Tier 1 Capital Ratio 24.65 15.699
Total Capital Ratio 24.82 16.831

Timeline for The Citizens State Bank Of Ouray

Csbo Holdings, Inc.

Csbo Holdings, Inc. became a new parent organization for The Citizens State Bank Of Ouray.

View Profile Feb 12 2016

The Montrose County Bank

Acquisition: The Citizens State Bank Of Ouray acquired a new subsidiary, The Montrose County Bank, 30 years

View Profile Jan 18 1994

Harry A. Lowe Agency, Inc., The

Harry A. Lowe Agency, Inc., The became a new parent organization for The Citizens State Bank Of Ouray.

View Profile Dec 31 1970

The Citizens State Bank Of Ouray

The Citizens State Bank Of Ouray was established 110 years ago and is currently headquartered in Ouray, CO.

Aug 20 1913
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Montrose County Bank Seller 9,961 Discontinued 1/18/1994
Relationships Role Relationship Start Relationship End
Csbo Holdings, Inc. Parent 2/12/2016
Harry A. Lowe Agency, Inc., The Parent 1/18/1994 2/11/2016
Harry A. Lowe Agency, Inc., The Parent 12/31/1980 1/17/1994
Harry A. Lowe Agency, Inc., The Parent 12/31/1979 12/30/1980
Harry A. Lowe Agency, Inc., The Parent 12/31/1970 12/30/1979
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