Citizens State Bank, of Arlington

Citizens State Bank, of Arlington is headquartered in Arlington and is the 39^th largest bank in the state of South Dakota. It is also the 5,026^th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 20 employees at 3 locations. Citizens State Bank, of Arlington has a 4-star health rating.

Data for Q1 2012

Institution Statistics Citizens State Bank, of Arlington FDIC Certificate # 1118 BankRate Report View Year Established 1901 Employees 20 Primary Regulator FED Assets and Liabilities Assets $97.47 million Loans $64.65 million Deposits $84.40 million Equity Capital $12.06 million Loan Loss Allowance $572,000 Unbacked Noncurrent Loans $3.27 million Historic Data - March 2011 Assets $93.04 million Equity Capital $11.33 million Loan Loss Allowance $531,000 Unbacked Noncurrent Loans $2.25 million Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets 0.6% Return on Equity 4.91% Interest Income $1.08 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, of Arlington had $3.27 million in non-current loans and owned real-estate with $12.64 million in equity and loan loss allowances on hand to cover it. This gives Citizens State Bank, of Arlington a Texas Ratio of 25.86% which is 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, of Arlington increased slightly from 18.97% as of March 31, 2011 to 25.86% as of March 31, 2012, resulting in a negative change of 36.28%. This indicates that the balance sheet and financial strength for Citizens State Bank, of Arlington has declined slightly in recent periods. Deposit Growth In the past year, Citizens State Bank, of Arlington has increased its total deposits by $3.59 million, resulting in 4.44% 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, of Arlington 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, of Arlington has $97.47 million in assets with $12.64 million in equity, resulting in a capitalization level of 12.96%, which is excellent.

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