Citizens State Bank (NE)

Citizens State Bank (NE) is headquartered in Wisner and is the 29^th largest bank in the state of Nebraska. It is also the 2,179^th largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 73 employees at 11 locations. Citizens State Bank (NE)'s savings rates are 2X the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics Citizens State Bank FDIC Certificate # 5495 BankRate Report View Year Established 1888 Employees 73 Primary Regulator FED Assets and Liabilities Assets $300.57 million Loans $221.96 million Deposits $267.27 million Equity Capital $28.08 million Loan Loss Allowance $3.48 million Unbacked Noncurrent Loans $1.12 million Real Estate Owned $78,000 Historic Data - March 2011 Assets $239.17 million Equity Capital $21.29 million Loan Loss Allowance $2.61 million Unbacked Noncurrent Loans $865,000 Real Estate Owned $81,000 Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets 1.3% Return on Equity 13.75% Interest Income $3.34 million

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 (NE) had $1.2 million in non-current loans and owned real-estate with $31.56 million in equity and loan loss allowances on hand to cover it. This gives Citizens State Bank (NE) a Texas Ratio of 3.80% 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 (NE) decreased significantly from 6.78% as of March 31, 2011 to 3.80% as of March 31, 2012, resulting in a positive change of 43.90%.This indicates that the balance sheet and financial strength for Citizens State Bank (NE) has improved significantly in recent periods. Deposit Growth In the past year, Citizens State Bank (NE) has increased its total deposits by $52.61 million, resulting in 24.51% 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 (NE) 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 (NE) has $300.57 million in assets with $31.56 million in equity, resulting in a capitalization level of 10.50%, which is above average.

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