| Weiss Ratings |
Citizens State Bank of Roseau
Roseau, MN |
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| Rating | ||||
| Asset Quality Index | 8.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.10 | |||
| Profitability Index | 5.50 | |||
| Stability Index | 4.30 | |||
| Company Info |
Citizens State Bank of Roseau
Roseau, MN |
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| FDIC Number | 10167 | |||
| Phone Number | (218) 463-2135 | |||
| Website | www.citizensros.com | |||
| Asset Quality |
Citizens State Bank of Roseau
Roseau, MN |
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| 1-Year Asset Growth | -0.25% | |||
| 5-Year Asset Growth | 2.15% | |||
| 5-Year Charge-Offs to Average Loans | 0.12% | |||
| Charge-Offs to Average Loans | 0.29% | |||
| Non-Performing Assets to Assets | 0.08% | |||
| Non-Performing Loans to Capital | 1.29% | |||
| Non-Performing Loans to Loans | 0.14% | |||
| Balance Sheet |
Citizens State Bank of Roseau
Roseau, MN |
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| Total Assets | 286.52M | |||
| Total Deposits | 251.31M | |||
| Capital and Reserves |
Citizens State Bank of Roseau
Roseau, MN |
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| Capital | 33.85M | |||
| Leverage Ratio | 13.24 | |||
| Loan Loss Reserves to Loans | 1.07% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens State Bank of Roseau
Roseau, MN |
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| Hot Money Ratio | 29.94% | |||
| Liquidity Ratio | 30.09% | |||
| Profitability |
Citizens State Bank of Roseau
Roseau, MN |
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| 5-Year Return on Average Assets | 1.14% | |||
| Net Income | 4.12M | |||
| Net Interest Spread | 3.22% | |||
| Operating Profit to Average Assets | 1.46% | |||
| Overhead Efficiency Ratio | 53.27% | |||
| Return on Assets | 1.43% | |||
| Return on Equity | 13.06% | |||