Citizens Savings Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.6. A current level of 0.6 percent of nonperforming loans to core capital combined with 9.4 percent from a year earlier contributes to the Excellent asset quality (9.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10). Fair liquidity 4.4, driven by a liquidity ratio of 54.1 percent and a “hot money” ratio of 30.1 percent.
Asset Mix:
Securities (48%), comm loans (4%), home mtgs (4%), cash (2%), consumer loans (1%), comm re (1%), other (40%)
States with Branches:
IA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
101 Church Street
Spillville, IA 52168
Spillville, IA 52168
Phone Number
(563) 562-3674
Year Founded
1908
FDIC Number
Website
Largest Affiliates
No affiliate information available.