Citizens State Bank Norwood Young America

Citizens State Bank Norwood Young America is headquartered in Norwood Young Am and is the 192^nd largest bank in the state of Minnesota. It is also the 5,281^st largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 19 employees at 1 location. Citizens State Bank Norwood Young America has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Citizens State Bank Norwood Young America FDIC Certificate # 1933 BankRate Report View Year Established 1914 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $87.60 million Loans $61.14 million Deposits $74.49 million Equity Capital $9.52 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $1.33 million Real Estate Owned $1.85 million Historic Data - March 2011 Assets $85.65 million Equity Capital $10.34 million Loan Loss Allowance $610,000 Unbacked Noncurrent Loans $2.33 million Real Estate Owned $1.99 million Profit Margin - Quarterly Net Interest Margin 4.06% Return on Assets -1.16% Return on Equity -10.32% Interest Income $1.05 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 State Bank Norwood Young America had $3.18 million in non-current loans and owned real-estate with $10.56 million in equity and loan loss allowances on hand to cover it. This gives Citizens State Bank Norwood Young America a Texas Ratio of 30.10% 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 Norwood Young America decreased slightly from 39.39% as of March 31, 2011 to 30.10% as of March 31, 2012, resulting in a positive change of 23.57%.This indicates that the balance sheet and financial strength for Citizens State Bank Norwood Young America has improved slightly in recent periods. Deposit Growth In the past year, Citizens State Bank Norwood Young America has increased its total deposits by $3 million, resulting in 4.2% 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 Norwood Young America 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 Norwood Young America has $87.6 million in assets with $10.56 million in equity, resulting in a capitalization level of 12.05%, which is excellent.

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