Citizens Savings and Loan Association, FSB

Citizens Savings and Loan Association, FSB is headquartered in Leavenworth and is the 71^st largest bank in the state of Kansas. It is also the 3,146^th largest bank in the nation. It was established in 1884 and as of December of 2012, it had grown to 39 employees at 3 locations. Citizens Savings and Loan Association, FSB has a 5-star health rating.

Citizens Savings and Loan Association, FSB Checking Account Rates

Citizens Savings and Loan Association, FSB Savings Account Rates

Citizens Savings and Loan Association, FSB Money Market Rates

Citizens Savings and Loan Association, FSB CD Rates

Citizens Savings and Loan Association, FSB IRA Rates

Data for Q4 2012

Institution Statistics Citizens Savings and Loan Association, FSB OTS # 04846 FDIC Certificate # 30150 BankRate Report View Year Established 1884 Employees 39 Primary Regulator OCC Assets and Liabilities Assets $195.72 million Loans $84.99 million Deposits $129.13 million Equity Capital $38.01 million Loan Loss Allowance $494,000 Unbacked Noncurrent Loans $2.98 million Real Estate Owned $34,000 Historic Data - December 2011 Assets $190.78 million Equity Capital $37.08 million Loan Loss Allowance $116,000 Unbacked Noncurrent Loans $755,000 Profit Margin - Quarterly Net Interest Margin 2.4% Return on Assets 0.37% Return on Equity 1.94% Interest Income $6.67 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 December 31, 2012 Citizens Savings and Loan Association, FSB had $3.01 million in non-current loans and owned real-estate with $38.51 million in equity and loan loss allowances on hand to cover it. This gives Citizens Savings and Loan Association, FSB a Texas Ratio of 7.83% 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 Savings and Loan Association, FSB increased slightly from 1.84% as of December 31, 2011 to 7.83% as of December 31, 2012, resulting in a negative change of 324.35%. This indicates that the balance sheet and financial strength for Citizens Savings and Loan Association, FSB has declined slightly in recent periods. Deposit Growth In the past year, Citizens Savings and Loan Association, FSB has increased its total deposits by $5.28 million, resulting in 4.26% 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 Savings and Loan Association, FSB 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 Savings and Loan Association, FSB has $195.72 million in assets with $38.51 million in equity, resulting in a capitalization level of 19.67%, which is excellent.