| Weiss Ratings |
Citizens State Bank
Lena, IL |
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| Rating | ||||
| Asset Quality Index | 4.60 | |||
| Capitalization Index | 9.20 | |||
| Liquidity Index | 3.20 | |||
| Profitability Index | 6.30 | |||
| Stability Index | 6.10 | |||
| 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 | 20.11% | |||
| 5-Year Asset Growth | 12.64% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.60% | |||
| Non-Performing Assets to Assets | 0.99% | |||
| Non-Performing Loans to Capital | 9.86% | |||
| Non-Performing Loans to Loans | 1.64% | |||
| Balance Sheet |
Citizens State Bank
Lena, IL |
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| Total Assets | 497.87M | |||
| Total Deposits | 447.67M | |||
| Capital and Reserves |
Citizens State Bank
Lena, IL |
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| Capital | 46.80M | |||
| Leverage Ratio | 10.48 | |||
| Loan Loss Reserves to Loans | 0.71% | |||
| Risk-Based Capital Ratio | 15.76 | |||
| Liquidity |
Citizens State Bank
Lena, IL |
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| Hot Money Ratio | 20.01% | |||
| Liquidity Ratio | 28.56% | |||
| Profitability |
Citizens State Bank
Lena, IL |
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| 5-Year Return on Average Assets | 1.31% | |||
| Net Income | 6.54M | |||
| Net Interest Spread | 3.54% | |||
| Operating Profit to Average Assets | 1.57% | |||
| Overhead Efficiency Ratio | 55.07% | |||
| Return on Assets | 1.47% | |||
| Return on Equity | 15.72% | |||