Citizens Federal Savings and Loan Association of Bellefontaine

Citizens Federal Savings and Loan Association of Bellefontaine is headquartered in Bellefontaine and is the 110^st largest bank in the state of Ohio. It is also the 3,798^th largest bank in the nation. It was established in 1885 and as of March of 2012, it had grown to 31 employees at 1 location. Citizens Federal Savings and Loan Association of Bellefontaine's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Citizens Federal Savings and Loan Association of Bellefontaine Checking Account Rates

Citizens Federal Savings and Loan Association of Bellefontaine Savings Account Rates

Citizens Federal Savings and Loan Association of Bellefontaine CD Rates

Citizens Federal Savings and Loan Association of Bellefontaine IRA Rates

Data for Q1 2012

Institution Statistics Citizens Federal Savings and Loan Association OTS # 00824 FDIC Certificate # 28060 BankRate Report View Year Established 1885 Employees 31 Primary Regulator OCC Assets and Liabilities Assets $154.30 million Loans $112.27 million Deposits $139.73 million Equity Capital $12.48 million Loan Loss Allowance $300,000 Unbacked Noncurrent Loans $851,000 Historic Data - March 2011 Assets $143.84 million Equity Capital $11.56 million Loan Loss Allowance $300,000 Unbacked Noncurrent Loans $228,000 Profit Margin - Quarterly Net Interest Margin 2.69% Return on Assets 0.56% Return on Equity 6.86% Interest Income $1.42 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 Federal Savings and Loan Association of Bellefontaine had $851,000 in non-current loans and owned real-estate with $12.78 million in equity and loan loss allowances on hand to cover it. This gives Citizens Federal Savings and Loan Association of Bellefontaine a Texas Ratio of 6.66% 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 Federal Savings and Loan Association of Bellefontaine held steady from 1.92% as of March 31, 2011 to 6.66% as of March 31, 2012, resulting in a negative change of 246.29%. This indicates that the balance sheet and financial strength for Citizens Federal Savings and Loan Association of Bellefontaine has held steady in recent periods. Deposit Growth In the past year, Citizens Federal Savings and Loan Association of Bellefontaine has increased its total deposits by $8.86 million, resulting in 6.77% 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 Federal Savings and Loan Association of Bellefontaine 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 Federal Savings and Loan Association of Bellefontaine has $154.3 million in assets with $12.78 million in equity, resulting in a capitalization level of 8.28%, which is average.

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