| Weiss Ratings |
Citizens State Bank
Lena, IL |
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| Rating | ||||
| Asset Quality Index | 4.50 | |||
| Capitalization Index | 7.90 | |||
| Liquidity Index | 2.60 | |||
| Profitability Index | 7.10 | |||
| Stability Index | 6.20 | |||
| Company Info |
Citizens State Bank
Lena, IL |
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| FDIC Number | 10474 | |||
| Phone Number | (815) 369-4524 | |||
| Website | www.csbnow.com | |||
| Asset Quality |
Citizens State Bank
Lena, IL |
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| 1-Year Asset Growth | -0.71% | |||
| 5-Year Asset Growth | 12.64% | |||
| 5-Year Charge-Offs to Average Loans | 0.09% | |||
| Charge-Offs to Average Loans | -0.02% | |||
| Non-Performing Assets to Assets | 0.80% | |||
| Non-Performing Loans to Capital | 7.91% | |||
| Non-Performing Loans to Loans | 1.18% | |||
| Balance Sheet |
Citizens State Bank
Lena, IL |
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| Total Assets | 453.30M | |||
| Total Deposits | 407.48M | |||
| Capital and Reserves |
Citizens State Bank
Lena, IL |
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| Capital | 42.66M | |||
| Leverage Ratio | 9.58 | |||
| Loan Loss Reserves to Loans | 0.84% | |||
| Risk-Based Capital Ratio | 14.82 | |||
| Liquidity |
Citizens State Bank
Lena, IL |
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| Hot Money Ratio | 22.56% | |||
| Liquidity Ratio | 17.59% | |||
| Profitability |
Citizens State Bank
Lena, IL |
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| 5-Year Return on Average Assets | 1.36% | |||
| Net Income | 4.03M | |||
| Net Interest Spread | 3.83% | |||
| Operating Profit to Average Assets | 1.82% | |||
| Overhead Efficiency Ratio | 52.14% | |||
| Return on Assets | 1.74% | |||
| Return on Equity | 17.37% | |||