Citizens Bank of Kansas, National Association

Citizens Bank of Kansas, National Association is headquartered in Kingman and is the 59^th largest bank in the state of Kansas. It is also the 2,850^th largest bank in the nation. It was established in 1886 and as of March of 2012, it had grown to 62 employees at 7 locations. Citizens Bank of Kansas, National Association has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Citizens Bank of Kansas, National Association FDIC Certificate # 4707 BankRate Report View Year Established 1886 Employees 62 Primary Regulator OCC Assets and Liabilities Assets $224.10 million Loans $72.28 million Deposits $180.43 million Equity Capital $26.92 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $373,000 Real Estate Owned $359,000 Historic Data - March 2011 Assets $215.34 million Equity Capital $23.42 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $2.14 million Real Estate Owned $359,000 Profit Margin - Quarterly Net Interest Margin 3.35% Return on Assets 1.1% Return on Equity 9.27% Interest Income $2.05 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Citizens Bank of Kansas, National Association had $732,000 in non-current loans and owned real-estate with $28.05 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank of Kansas, National Association a Texas Ratio of 2.61% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Citizens Bank of Kansas, National Association decreased significantly from 10.15% as of March 31, 2011 to 2.61% as of March 31, 2012, resulting in a positive change of 74.29%.This indicates that the balance sheet and financial strength for Citizens Bank of Kansas, National Association has improved significantly in recent periods. Deposit Growth In the past year, Citizens Bank of Kansas, National Association has increased its total deposits by $9.58 million, resulting in 5.61% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizens Bank of Kansas, National Association has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizens Bank of Kansas, National Association has $224.1 million in assets with $28.05 million in equity, resulting in a capitalization level of 12.51%, which is excellent.

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