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Citizens Savings and Loan Association, FSB

Based on 1 review
Overview / Commentary
913-727-1040
5151 S 4th Street Trafficway
Leavenworth, KS 66048

Citizens Savings and Loan Association, FSB is headquartered in Leavenworth and is the 69th largest bank in the state of Kansas. It is also the 3,064th largest bank in the nation. It was established in 1884 and as of March of 2014, it had grown to 36 employees at 3 locations. Citizens Savings and Loan Association, FSB has a A health rating.

Reviews (1)

My Bank Is Great!!!!!!

The Citizens Savings and Loan in northeast Kansas is great! The Basehor branch cares about its customers and always go the extra mile!



Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Citizens Savings and Loan Association, FSB had $3.69 million in non-current loans and owned real-estate with $37.41 million in equity and loan loss allowances on hand to cover it. This gives Citizens Savings and Loan Association, FSB a Texas Ratio of 9.86% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Citizens Savings and Loan Association, FSB experienced no significant changes from 9.99% as of March 31, 2013 to 9.86% as of March 31, 2014, resulting in a positive change of 1.38%.This indicates that the balance sheet and financial strength for Citizens Savings and Loan Association, FSB has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Citizens Savings and Loan Association, FSB has increased its total deposits by $1.63 million, resulting in 1.21% 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

GRADE:
A+

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 $199.71 million in assets with $37.41 million in equity, resulting in a capitalization level of 18.73%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #30150
Year Established1884
Employees36
Primary RegulatorOCC
Assets and Liabilities
Assets$199.71 million
Loans$74.84 million
Deposits$135.66 million
Equity Capital$36.47 million
Loan Loss Allowance$944,000
Unbacked Noncurrent Loans$3.29 million
Real Estate Owned$402,000
Historic Data - March 2013
Assets$200.17 million
Equity Capital$37.80 million
Loan Loss Allowance$488,000
Unbacked Noncurrent Loans$3.29 million
Real Estate Owned$34,000
Profit Margin - Quarterly
Net Interest Margin1.97%
Return on Assets0.08%
Return on Equity0.46%
Interest Income$1.38 million
Rates

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Citizens Savings and Loan Association, FSB Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%--Junior Club
0.10%--Statement Savings
0.10%--Christmas Club

Citizens Savings and Loan Association, FSB Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$50k-Money Market Checking

Citizens Savings and Loan Association, FSB Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--All American Checking
0.05%--50 Plus Checking

Citizens Savings and Loan Association, FSB CD Rates

DetailsAPYMINMAXPRODUCT
1.19%$500-6 Year CD
1.00%$500-5 Year CD
0.80%$500-4 Year CD
0.60%$500-3 Year CD
0.50%$500-2 Year CD
0.35%$5k$500k1 Year CD
0.15%$1k-6 Month CD
0.15%$10k-7 Month CD
0.10%$1k-91 Day CD

Citizens Savings and Loan Association, FSB IRA Rates

DetailsAPYMINMAXPRODUCT
1.19%$500-6 Year IRA
1.00%$500-5 Year IRA
0.80%$500-4 Year IRA
0.60%$500-3 Year IRA
0.50%$500-2 Year IRA
0.35%$5k-1 Year IRA
Locations


Citizens Savings and Loan Association, FSB Locations
State Avenue Branch15500 State AveBasehor, KS 66007
312 South Fifth Street Branch312 South Fifth StLeavenworth, KS 66048
Citizens Savings and Loan Association, FSB5151 S 4th Street TrafficwayLeavenworth, KS 66048