Citizens Bancshares Of Woodville Mortgage Rates, Fees & Info
HUDSON, WILEI: 549300TQL7MVZ6OPN578
Tax ID: 39-0210300
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Bank Data
Review & Overview
Citizens Bancshares Of Woodville is a smaller mortgage company specializing in various types of mortgages.We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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Originations
0Origination Dollar Volume (All Markets)
$0Employee count
51Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 54 | 15.6% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 22 | 6.3% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Improper use of your report | 1 | 0.3% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Incorrect information on your report | 6 | 1.7% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 3 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 27 | 7.8% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 116 | 33.4% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 7 | 2.0% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Closing on a mortgage | 4 | 1.2% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Struggling to pay mortgage | 15 | 4.3% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Trouble during payment process | 19 | 5.5% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 7 | 2.0% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 4 | 1.2% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 2 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 2 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 27 | 7.8% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 5 | 1.4% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Closing on a mortgage | 3 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Improper use of your report | 1 | 0.3% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Incorrect information on your report | 1 | 0.3% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Struggling to pay mortgage | 3 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Trouble during payment process | 13 | 3.7% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Struggling to pay mortgage | 2 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 3 | 0.9% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Citizens State Bank | 140 S Main St Woodville, WI 54028 | Full Service B&M | $43,451 |
| Citizens State Bank | 1602 North Broadway Menomonie, WI 54751 | Full Service B&M | $25,944 |
| Citizens State Bank | 375 Stageline Road Hudson, WI 54016 | Full Service B&M | $109,689 |
| Citizens State Bank | 500 West Boulevard Roberts, WI 54023 | Full Service B&M | $45,724 |
| Citizens State Bank | 601 Main Street Elmwood, WI 54740 | Full Service B&M | $24,832 |
For 2021, Citizens Bancshares Of Woodville had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $11,380 |
| Net interest income | $10,615 |
| Total noninterest income | $1,283 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $275 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $1,008 |
| Pre-tax net operating income | $4,658 |
| Securities gains (or losses, -) | $203 |
| Income before extraordinary items | $3,591 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $3,591 |
| Minority interest net income | $0 |
| Net income | $3,591 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $3,430 |
Citizens Bancshares Of Woodville's gross interest income from loans was $11,380,000.
Citizens Bancshares Of Woodville's net interest income from loans was $10,615,000.
Citizens Bancshares Of Woodville's fee based income from loans was $275,000.
Citizens Bancshares Of Woodville's net income from loans was $3,591,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $765 |
| Provision for credit losses | $300 |
| Total noninterest expense | $6,940 |
| Salaries and employee benefits | $4,229 |
| Premises and equipment expense | $631 |
| Additional noninterest expense | $2,080 |
| Applicable income taxes | $1,270 |
| Net charge-offs | $-53 |
| Cash dividends | $700 |
Citizens Bancshares Of Woodville's interest expense for loans was $765,000.
Citizens Bancshares Of Woodville's payroll and benefits expense were $4,229,000.
Citizens Bancshares Of Woodville's property, plant and equipment expenses $631,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $264,808 |
| Deposits held in domestic offices | $264,808 |
| Deposits by Individuals, partnerships, and corporations | $238,138 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $26,670 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $105,867 |
| Demand deposits | $60,124 |
| Nontransaction accounts | $158,941 |
| Money market deposit accounts (MMDAs) | $82,448 |
| Other savings deposits (excluding MMDAs) | $38,424 |
| Total time deposits | $38,069 |
| Total time and savings deposits | $204,684 |
| Noninterest-bearing deposits | $60,356 |
| Interest-bearing deposits | $204,452 |
| Retail deposits | $256,957 |
| IRAs and Keogh plan accounts | $4,389 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $317,042 |
| Cash & Balances due from depository institutions | $44,832 |
| Interest-bearing balances | $40,169 |
| Total securities | $39,535 |
| Federal funds sold & reverse repurchase | $12,890 |
| Net loans and leases | $211,606 |
| Loan and leases loss allowance | $3,636 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $5,611 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $2,568 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $317,042 |
| Total Liabilities | $283,619 |
| Total deposits | $264,808 |
| Interest-bearing deposits | $204,452 |
| Deposits held in domestic offices | $264,808 |
| % insured (estimated) | $77 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $18,000 |
| Subordinated debt | $0 |
| All other liabilities | $811 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $211,606 |
| Loan and leases loss allowance | $3,636 |
| Total loans and leases (domestic) | $215,242 |
| All real estate loans | $197,169 |
| Real estate loans in domestic offices | $197,169 |
| Construction and development loans | $16,030 |
| Residential 1-4 family construction | $9,486 |
| Other construction, all land development and other land | $6,544 |
| Loans secured by nonfarm nonresidential properties | $66,860 |
| Nonfarm nonresidential secured by owner-occupied properties | $45,899 |
| Commercial real estate & other non-farm, non-residential | $20,961 |
| Multifamily residential real estate | $11,985 |
| 1-4 family residential loans | $94,425 |
| Farmland loans | $7,869 |
| Loans held in foreign offices | $0 |
| Farm loans | $840 |
| Commercial and industrial loans | $13,731 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $2,812 |
| Credit card loans | $0 |
| Related Plans | $363 |
| Consumer Auto Loans | $1,111 |
| Other loans to individuals | $1,338 |
| All other loans & leases | $690 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $45 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $1,332 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $170 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
CITIZENS BANCSHARES OF WOODVILLE had $211,606,000 of loans outstanding in 2021. $197,169,000 of loans were in real estate loans. $16,030,000 of loans were in development loans. $11,985,000 of loans were in multifamily mortgage loans. $94,425,000 of loans were in 1-4 family mortgage loans. $840,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,111,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 142 | $34,378 | $242,099 |
| Nonfarm, nonresidential loans - <$100k | 19 | $433 | $22,789 |
| Nonfarm, nonresidential loans - $100-250k | 45 | $5,422 | $120,489 |
| Nonfarm, nonresidential loans - $250k-1MM | 78 | $28,523 | $365,679 |
| Commercial & Industrial, US addressed loans - <$1MM | 264 | $12,576 | $47,636 |
| Commercial & Industrial, US addressed loans - <$100k | 186 | $2,799 | $15,048 |
| Commercial & Industrial, US addressed loans - $100-250k | 58 | $5,560 | $95,862 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 20 | $4,217 | $210,850 |
| Farmland loans - <$1MM | 39 | $4,950 | $126,923 |
| Farmland loans - <$100k | 16 | $568 | $35,500 |
| Farmland loans - $100-250k | 15 | $2,250 | $150,000 |
| Farmland loans - $250k-1MM | 8 | $2,132 | $266,500 |
| Agriculture operations loans - <$1MM | 25 | $840 | $33,600 |
| Agriculture operations loans - <$100k | 22 | $324 | $14,727 |
| Agriculture operations loans - $100-250k | 1 | $160 | $160,000 |
| Agriculture operations loans - $250k-1MM | 2 | $356 | $178,000 |