Citizens First State Bank

Citizens First State Bank is headquartered in Walnut and is the 449^th largest bank in the state of Illinois. It is also the 6,132^nd largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 15 employees at 3 locations. Citizens First State Bank has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Citizens First State Bank of Walnut FDIC Certificate # 939 BankRate Report View Year Established 1920 Employees 15 Primary Regulator FED Assets and Liabilities Assets $57.70 million Loans $27.93 million Deposits $52.22 million Equity Capital $3.88 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $1.69 million Real Estate Owned $579,000 Historic Data - March 2011 Assets $59.22 million Equity Capital $4.30 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $2.61 million Real Estate Owned $518,000 Profit Margin - Quarterly Net Interest Margin 3.11% Return on Assets -1.73% Return on Equity -25.27% Interest Income $499,000

Institution Health Overall Score: 3 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 First State Bank had $2.27 million in non-current loans and owned real-estate with $4.93 million in equity and loan loss allowances on hand to cover it. This gives Citizens First State Bank a Texas Ratio of 45.96% 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 First State Bank decreased slightly from 57.08% as of March 31, 2011 to 45.96% as of March 31, 2012, resulting in a positive change of 19.48%.This indicates that the balance sheet and financial strength for Citizens First State Bank has improved slightly in recent periods. Deposit Growth In the past year, Citizens First State Bank has increased its total deposits by $1.17 million, resulting in 2.29% 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 First State Bank has shown is above average. 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 First State Bank has $57.7 million in assets with $4.93 million in equity, resulting in a capitalization level of 8.55%, which is average.

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