Vitals
  • Total Assets
    346.1M -0.7 %
  • Total Deposits
    287.4M -5.9 %
  • Total Net Loans
    315.8M 1.9 %
  • Net Income
    4.4M -25.6 %
  • Book Value
    36.3M 7.7 %
  • Book Value x2
    72.6M 7.7 %
  • Book Value x3
    108.9M 7.7 %
ROAA

1.841

ROAE

17.273

Efficiency Ratio

82.816

Net Interest Margin

5.154

Balance Sheet Highlights
Financial Highlights The Citizens State Bank All Insured Commercial Banks in Oklahoma
Balance Sheet $(000)
Total Assets 346,051 201,476
Total Net Loans 315,839 135,683
Total Deposits 287,423 169,987
Total Equity 36,284 22,152
Profitability
Net Income 4,434 2,051
Return on Average Assets 1.841 1.338
Return on Average Equity 17.273 12.309
Net Interest Margin 5.154 4.16
Efficiency Ratio 82.816 65.788
Noninterest Income/Revenue 50.261 16.76
Balance Sheet Ratios
Loan-to-Deposit 109.887 74.543
Securities/Assets .031 .175
Total Equity/Total Assets .105 .11
Tangible Equity/Tangible Assets .104 .108
Capital Adequacy
Tier 1 Common Capital 35,937 21,177
Tier 1 Capital 35,937 21,177
Tier 2 Capital 446 1,641
Total Capital 36,383 22,841
Total Risk Weighted Assets 284,581 149,035
Leverage Ratio 10.45 10.81
Common Equity Tier 1 Capital Ratio 12.63 15.913
Tier 1 Capital Ratio 12.63 15.915
Total Capital Ratio 12.78 16.989

Timeline for The Citizens State Bank

American Southwest Mortgage Funding Corp

American Southwest Mortgage Funding Corp became a new subsidiary organization for The Citizens State Bank.

View Profile Sep 04 2013

Okehmah Holdings Llc

Okehmah Holdings Llc became a new subsidiary organization for The Citizens State Bank.

View Profile May 31 2006

Citizens Bankshares, Inc.

Citizens Bankshares, Inc. became a new parent organization for The Citizens State Bank.

View Profile Sep 06 1984

The Citizens State Bank

The Citizens State Bank was established 116 years ago and is currently headquartered in Okemah, OK.

Feb 08 1908
Relationships Role Relationship Start Relationship End
Citizens Bankshares, Inc. Parent 12/31/2007
Citizens Bankshares, Inc. Parent 9/6/1984 12/30/2007
Okehmah Holdings Llc Subsidary 5/31/2006
American Southwest Mortgage Funding Corp Subsidary 9/4/2013
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