| 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 | 1.60 | |||
| Profitability Index | 4.60 | |||
| Stability Index | 6.50 | |||
| 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 | 0.93% | |||
| 5-Year Asset Growth | 5.58% | |||
| 5-Year Charge-Offs to Average Loans | 0.14% | |||
| Charge-Offs to Average Loans | 0.09% | |||
| Non-Performing Assets to Assets | 0.37% | |||
| Non-Performing Loans to Capital | 2.65% | |||
| Non-Performing Loans to Loans | 0.60% | |||
| Balance Sheet |
Citizens State Bank of Roseau
Roseau, MN |
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| Total Assets | 287.23M | |||
| Total Deposits | 247.65M | |||
| Capital and Reserves |
Citizens State Bank of Roseau
Roseau, MN |
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| Capital | 28.99M | |||
| Leverage Ratio | 12.02 | |||
| 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 | 27.73% | |||
| Liquidity Ratio | 28.44% | |||
| Profitability |
Citizens State Bank of Roseau
Roseau, MN |
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| 5-Year Return on Average Assets | 1.20% | |||
| Net Income | 3.38M | |||
| Net Interest Spread | 2.59% | |||
| Operating Profit to Average Assets | 1.14% | |||
| Overhead Efficiency Ratio | 58.86% | |||
| Return on Assets | 1.10% | |||
| Return on Equity | 12.19% | |||