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Citizens State Bank and Trust Co., Ellsworth, Kansas

Overview / Commentary
800-472-3145
203 North Douglas Avenue
Ellsworth, KS 67439

Citizens State Bank and Trust Co., Ellsworth, Kansas is headquartered in Ellsworth and is the 118st largest bank in the state of Kansas. It is also the 4,404th largest bank in the nation. It was established in 1900 and as of March of 2014, it had grown to 33 employees at 3 locations. Citizens State Bank and Trust Co., Ellsworth, Kansas' savings rates are 2X the national average, and it has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

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 State Bank and Trust Co., Ellsworth, Kansas had $1.09 million in non-current loans and owned real-estate with $10.04 million in equity and loan loss allowances on hand to cover it. This gives Citizens State Bank and Trust Co., Ellsworth, Kansas a Texas Ratio of 10.86% 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 State Bank and Trust Co., Ellsworth, Kansas experienced no significant changes from 10.57% as of March 31, 2013 to 10.86% as of March 31, 2014, resulting in a negative change of 2.76%. This indicates that the balance sheet and financial strength for Citizens State Bank and Trust Co., Ellsworth, Kansas has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Citizens State Bank and Trust Co., Ellsworth, Kansas has increased its total deposits by $3.06 million, resulting in 3.25% 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 State Bank and Trust Co., Ellsworth, Kansas has shown is excellent.

Capitalization

GRADE:
C

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 State Bank and Trust Co., Ellsworth, Kansas has $114.84 million in assets with $10.04 million in equity, resulting in a capitalization level of 8.74%, which is average.

Institution Statistics

Overall
FDIC Certificate #11778
Year Established1900
Employees33
Primary RegulatorFED
Assets and Liabilities
Assets$114.84 million
Loans$54.54 million
Deposits$97.06 million
Equity Capital$9.22 million
Loan Loss Allowance$822,000
Unbacked Noncurrent Loans$589,000
Real Estate Owned$501,000
Historic Data - March 2013
Assets$116.77 million
Equity Capital$10.48 million
Loan Loss Allowance$900,000
Unbacked Noncurrent Loans$589,000
Real Estate Owned$122,000
Profit Margin - Quarterly
Net Interest Margin3.42%
Return on Assets1.38%
Return on Equity17.57%
Interest Income$1.03 million
Rates

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Citizens State Bank and Trust Co., Ellsworth, Kansas Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.10%$2,500-Healthcare Plus CD
0.05%$50-Savings Account
0.05%--Penny Pig Savings
0.05%--Christmas Club
0.05%$50-Health Savings Account
0.05%$1k-Cornerstone Plus

Citizens State Bank and Trust Co., Ellsworth, Kansas Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$25k-Cornerstone Money Market

Citizens State Bank and Trust Co., Ellsworth, Kansas Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.50%-$10kFree REWARD Checking - Qualifying
0.05%--Free REWARD Checking - Non Qualifying

Citizens State Bank and Trust Co., Ellsworth, Kansas CD Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-5 Year CD
0.90%$500-4 Year CD
0.70%$500-3 Year CD
0.50%$500-2 Year CD
0.50%$500-2 Year Jump Rate CD
0.30%$500-1 Year CD
0.30%$350-1 Year Piglet CD
0.20%$500-91 Day CD
0.20%$500-182 Day CD
0.10%$500-31 Day CD
Locations


Citizens State Bank and Trust Co., Ellsworth, Kansas Locations
Lincoln Branch100 West Lincoln AveLincoln, KS 67455
Citizens State Bank and Trust Co., Ellsworth, Kans203 North Douglas AvenueEllsworth, KS 67439
Hwy Bank Branch749 E 15th StEllsworth, KS 67439