Citizens Savings Bank (PA)

Citizens Savings Bank (PA) is headquartered in Clarks Summit and is the 96^th largest bank in the state of Pennsylvania. It is also the 1,961^st largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 85 employees at 7 locations. Citizens Savings Bank (PA) has a 4-star health rating.

Citizens Savings Bank (PA) Checking Account Rates

Citizens Savings Bank (PA) Savings Account Rates

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Citizens Savings Bank (PA) IRA Rates

Data for Q1 2012

Institution Statistics Citizens Savings Bank OTS # 06503 FDIC Certificate # 31184 BankRate Report View Year Established 1902 Employees 85 Primary Regulator OCC Assets and Liabilities Assets $332.30 million Loans $226.38 million Deposits $281.04 million Equity Capital $38.34 million Loan Loss Allowance $747,000 Unbacked Noncurrent Loans $3.37 million Real Estate Owned $193,000 Historic Data - March 2011 Assets $321.37 million Equity Capital $35.74 million Loan Loss Allowance $770,000 Unbacked Noncurrent Loans $2.12 million Real Estate Owned $79,000 Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets 0.81% Return on Equity 7.07% Interest Income $3.37 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 Savings Bank (PA) had $3.56 million in non-current loans and owned real-estate with $39.09 million in equity and loan loss allowances on hand to cover it. This gives Citizens Savings Bank (PA) a Texas Ratio of 9.10% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Citizens Savings Bank (PA) held steady from 6.03% as of March 31, 2011 to 9.10% as of March 31, 2012, resulting in a negative change of 51.00%. This indicates that the balance sheet and financial strength for Citizens Savings Bank (PA) has held steady in recent periods. Deposit Growth In the past year, Citizens Savings Bank (PA) has increased its total deposits by $7.72 million, resulting in 2.82% 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 Bank (PA) 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 Bank (PA) has $332.3 million in assets with $39.09 million in equity, resulting in a capitalization level of 11.76%, which is above average.

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