Citizens Bank of Mukwonago

301 North Rochester
Mukwonago, WI 53149
(262) 363-6500
www.citizenbank.com

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Citizens Bank of Mukwonago is headquartered in Mukwonago and is the 25^th largest bank in the state of Wisconsin. It is also the 995^th largest bank in the nation. It was established in 1892 and as of March of 2012, it had grown to 154 employees at 14 locations. Citizens Bank of Mukwonago has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Citizens Bank of Mukwonago Checking Account Rates

Apy	Min	Max	Product
0.10%	$750	-	E-NOW Checking Account
0.10%	$750	-	Interest Advantage Checking Account
0.10%	$750	-	Business Interest Advantage Checking Account

Citizens Bank of Mukwonago Savings Account Rates

Apy	Min	Max	Product
0.45%	$25k	-	Health Savings Account
0.15%	$5k	-	E-Savings Account
0.15%	$5k	-	Statement Savings Account
0.15%	-	-	Christmas Club Account
0.15%	$5k	-	Business E-Savings Account
0.15%	$5k	-	Business Statement Savings Account

Citizens Bank of Mukwonago Money Market Rates

Apy	Min	Max	Product
0.45%	$25k	-	Personal Money Market Account
0.45%	$25k	-	Business Money Market Account

Citizens Bank of Mukwonago CD Rates

Apy	Min	Max	Product
1.55%	$25k	-	48 Month CD
1.55%	$25k	-	Business 48 Month CD
1.30%	$25k	-	36 Month CD
1.30%	$25k	-	Business 36 Month CD
1.15%	$25k	-	24 Month CD
1.15%	$25k	-	Business 24 Month CD
0.95%	$5k	-	15 Month CD Special
0.95%	$5k	-	Business 15 Month CD Special
0.90%	$25k	-	12 Month CD
0.90%	$25k	-	Business 12 Month CD
0.60%	$5k	-	8 Month CD Special
0.60%	$25k	-	6 Month CD
0.60%	$25k	-	Business 6 Month CD
0.60%	$5k	-	Business 8 Month CD Special
0.45%	$250	-	6-12 Month Flexible Add-On CD
0.45%	$250	-	Business 6-12 Month Flexible Add-On CD
0.40%	$25k	-	3 Month CD
0.40%	$25k	-	Business 3 Month CD

Citizens Bank of Mukwonago IRA Rates

Apy	Min	Max	Product
1.30%	$500	-	3 Year Fixed Rate IRA
1.30%	$500	-	3 Year Fixed Rate Roth IRA
1.30%	$500	-	3 Year Fixed Rate Coverdell ESA
1.15%	$500	-	2 Year Fixed Rate IRA
1.15%	$500	-	2 Year Fixed Rate Roth IRA
1.15%	$500	-	2 Year Fixed Rate Coverdell ESA
0.90%	$500	-	1 Year Fixed Rate IRA
0.90%	$500	-	1 Year Fixed Rate Roth IRA
0.90%	$500	-	1 Year Fixed Rate Coverdell ESA
0.60%	$500	-	6 Month Fixed Rate IRA
0.60%	$500	-	6 Month Fixed Rate Roth IRA
0.60%	$500	-	6 Month Fixed Rate Coverdell ESA
0.38%	$100	-	18 Month Variable Rate IRA
0.38%	$100	-	18 Month Variable Rate Roth IRA
0.38%	$100	-	18 Month Variable Rate Coverdell ESA
0.15%	$250	-	1 Month Fixed Rate IRA
0.15%	$250	-	1 Month Fixed Rate Roth IRA
0.15%	$250	-	1 Month Fixed Rate Coverdell ESA

Rates updated: 5/24/2012

Data for Q1 2012

Institution Statistics

Citizens Bank of Mukwonago
FDIC Certificate #	13055
BankRate Report	View
Year Established	1892
Employees	154
Primary Regulator	FDIC
Assets and Liabilities
Assets	$666.19 million
Loans	$444.63 million
Deposits	$591.50 million
Equity Capital	$73.83 million
Loan Loss Allowance	$9.54 million
Unbacked Noncurrent Loans	$22.91 million
Real Estate Owned	$9.85 million
Historic Data - March 2011
Assets	$625.29 million
Equity Capital	$69.58 million
Loan Loss Allowance	$8.78 million
Unbacked Noncurrent Loans	$25.99 million
Real Estate Owned	$6.36 million
Profit Margin - Quarterly
Net Interest Margin	3.49%
Return on Assets	0.58%
Return on Equity	5.22%
Interest Income	$6.42 million

Institution Health

Overall Score:

4 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 Mukwonago had $32.76 million in non-current loans and owned real-estate with $83.36 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank of Mukwonago a Texas Ratio of 39.30% which is below average. 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 Mukwonago held steady from 41.31% as of March 31, 2011 to 39.30% as of March 31, 2012, resulting in a positive change of 4.87%.This indicates that the balance sheet and financial strength for Citizens Bank of Mukwonago has held steady in recent periods.
Deposit Growth
In the past year, Citizens Bank of Mukwonago has increased its total deposits by $36.81 million, resulting in 6.64% 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 Mukwonago 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 Mukwonago has $666.19 million in assets with $83.36 million in equity, resulting in a capitalization level of 12.51%, which is excellent.

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