Citizens State Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

As a locally owned & operated financial institution, Citizens State Bank focuses on providing banking solutions to fit all of your financial needs—both personal & business.

Citizens State Bank offers a complete line of deposit and loan products, all delivered through first class customer service.