Vitals
  • Total Assets
    188.8M 1.5 %
  • Total Deposits
    173.7M 1.3 %
  • Total Net Loans
    128.6M 1.0 %
  • Net Income
    1.4M 20.4 %
  • Book Value
    14.6M 3.7 %
  • Book Value x2
    29.1M 3.7 %
  • Book Value x3
    43.7M 3.7 %
ROAA

.782

ROAE

9.937

Efficiency Ratio

70.047

Net Interest Margin

4.046

Balance Sheet Highlights
Financial Highlights The Citizens State Bank All Insured Commercial Banks in Kansas
Balance Sheet $(000)
Total Assets 188,805 161,058
Total Net Loans 128,569 97,183
Total Deposits 173,678 131,657
Total Equity 14,560 18,008
Profitability
Net Income 1,431 1,663
Return on Average Assets .782 .954
Return on Average Equity 9.937 8.443
Net Interest Margin 4.046 3.683
Efficiency Ratio 70.047 68.374
Noninterest Income/Revenue 8.576 15.013
Balance Sheet Ratios
Loan-to-Deposit 74.027 72.321
Securities/Assets .147 .241
Total Equity/Total Assets .077 .112
Tangible Equity/Tangible Assets .077 .109
Capital Adequacy
Tier 1 Common Capital 14,235 17,454
Tier 1 Capital 14,235 17,457
Tier 2 Capital 1,113 1,279
Total Capital 15,348 18,771
Total Risk Weighted Assets 128,994 112,595
Leverage Ratio 7.81 11.048
Common Equity Tier 1 Capital Ratio 11.04 16.94
Tier 1 Capital Ratio 11.04 16.949
Total Capital Ratio 11.9 18.109

Timeline for The Citizens State Bank

The Exchange National Bank Of Cottonwood Falls

Acquisition: The Citizens State Bank acquired a new subsidiary, The Exchange National Bank Of Cottonwood Falls, 11 years

View Profile Aug 25 2012

The First National Bank Of Le Roy

Acquisition: The Citizens State Bank acquired a new subsidiary, The First National Bank Of Le Roy, 13 years

View Profile Oct 16 2010

Flint Hills Bancshares, Inc.

Flint Hills Bancshares, Inc. became a new parent organization for The Citizens State Bank.

View Profile Jan 31 1994

The First National Bank Of Hamilton

Acquisition: The Citizens State Bank acquired a new subsidiary, The First National Bank Of Hamilton, 30 years

View Profile Jun 07 1993

The Citizens State Bank

The Citizens State Bank was established 113 years ago and is currently headquartered in Gridley, KS.

Jan 01 1911
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Exchange National Bank Of Cottonwood Falls Seller 33,780 Acquisition Discontinued 8/25/2012
The First National Bank Of Le Roy Seller 24,935 Acquisition Discontinued 10/16/2010
The First National Bank Of Hamilton Seller 5,980 Discontinued 6/7/1993
Relationships Role Relationship Start Relationship End
Flint Hills Bancshares, Inc. Parent 1/31/1994
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