Citizens State Bank - Midwest

Citizens State Bank - Midwest is headquartered in Cavalier and is the 31^st largest bank in the state of North Dakota. It is also the 3,904^th largest bank in the nation. It was established in 1936 and as of March of 2012, it had grown to 45 employees at 8 locations. Citizens State Bank - Midwest has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Citizens State Bank - Midwest FDIC Certificate # 15333 BankRate Report View Year Established 1936 Employees 45 Primary Regulator FDIC Assets and Liabilities Assets $148.39 million Loans $76.00 million Deposits $135.92 million Equity Capital $11.49 million Loan Loss Allowance $3.25 million Unbacked Noncurrent Loans $4.44 million Real Estate Owned $3.43 million Historic Data - March 2011 Assets $145.50 million Equity Capital $12.93 million Loan Loss Allowance $2.15 million Unbacked Noncurrent Loans $9.01 million Real Estate Owned $5.68 million Profit Margin - Quarterly Net Interest Margin 3.08% Return on Assets 0.12% Return on Equity 1.54% Interest Income $1.20 million

Institution Health Overall Score: 3 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 - Midwest had $7.87 million in non-current loans and owned real-estate with $14.74 million in equity and loan loss allowances on hand to cover it. This gives Citizens State Bank - Midwest a Texas Ratio of 53.35% which is below average. 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 - Midwest decreased significantly from 97.43% as of March 31, 2011 to 53.35% as of March 31, 2012, resulting in a positive change of 45.24%.This indicates that the balance sheet and financial strength for Citizens State Bank - Midwest has improved significantly in recent periods. Deposit Growth In the past year, Citizens State Bank - Midwest has increased its total deposits by $4.81 million, resulting in 3.67% 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 - Midwest 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 State Bank - Midwest has $148.39 million in assets with $14.74 million in equity, resulting in a capitalization level of 9.94%, which is average.

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