| Weiss Ratings |
Citizens State Bank
Royal Oak, MI |
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| Rating | ||||
| Asset Quality Index | 5.40 | |||
| Capitalization Index | 6.60 | |||
| Liquidity Index | 2.00 | |||
| Profitability Index | 9.20 | |||
| Stability Index | 6.40 | |||
| Company Info |
Citizens State Bank
Royal Oak, MI |
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| FDIC Number | 8183 | |||
| Phone Number | (248) 833-6160 | |||
| Website | www.micsb.com | |||
| Asset Quality |
Citizens State Bank
Royal Oak, MI |
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| 1-Year Asset Growth | 41.12% | |||
| 5-Year Asset Growth | 145.48% | |||
| 5-Year Charge-Offs to Average Loans | 0.06% | |||
| Charge-Offs to Average Loans | 0.27% | |||
| Non-Performing Assets to Assets | 0.67% | |||
| Non-Performing Loans to Capital | 2.25% | |||
| Non-Performing Loans to Loans | 0.35% | |||
| Balance Sheet |
Citizens State Bank
Royal Oak, MI |
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| Total Assets | 581.01M | |||
| Total Deposits | 530.45M | |||
| Capital and Reserves |
Citizens State Bank
Royal Oak, MI |
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| Capital | 48.05M | |||
| Leverage Ratio | 8.58 | |||
| Loan Loss Reserves to Loans | 1.11% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens State Bank
Royal Oak, MI |
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| Hot Money Ratio | 9.12% | |||
| Liquidity Ratio | 20.84% | |||
| Profitability |
Citizens State Bank
Royal Oak, MI |
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| 5-Year Return on Average Assets | 1.13% | |||
| Net Income | 5.05M | |||
| Net Interest Spread | 4.72% | |||
| Operating Profit to Average Assets | 2.30% | |||
| Overhead Efficiency Ratio | 42.14% | |||
| Return on Assets | 1.84% | |||
| Return on Equity | 22.30% | |||