Institution Statistics
| Citizens State Bank | | FDIC Certificate # | 1364 | | BankRate Report | View | | Year Established | 1903 | | Employees | 17 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $79.07 million | | Loans | $31.15 million | | Deposits | $57.60 million | | Equity Capital | $15.84 million | | Loan Loss Allowance | $610,000 | | Unbacked Noncurrent Loans | $1.26 million | | Real Estate Owned | $10,000 |
Historic Data - March 2011 | | Assets | $75.68 million | | Equity Capital | $14.30 million | | Loan Loss Allowance | $446,000 | | Unbacked Noncurrent Loans | $1.32 million | | Real Estate Owned | $149,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.24% | | Return on Assets | 0.98% | | Return on Equity | 4.96% | | Interest Income | $730,000 |
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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 March 31, 2012 Citizens State Bank (KS) had $1.26 million in non-current loans and owned real-estate with $16.45 million in equity and loan loss allowances on hand to cover it. This gives Citizens State Bank (KS) a Texas Ratio of 7.69% 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 State Bank (KS) decreased slightly from 9.96% as of March 31, 2011 to 7.69% as of March 31, 2012, resulting in a positive change of 22.81%.This indicates that the balance sheet and financial strength for Citizens State Bank (KS) has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Citizens State Bank (KS) has increased its total deposits by $3.89 million, resulting in 7.25% 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 (KS) has shown is excellent. | | 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 State Bank (KS) has $79.07 million in assets with $16.45 million in equity, resulting in a capitalization level of 20.80%, which is excellent. |
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