Citizens State Bank of Clayton

Citizens State Bank of Clayton is headquartered in La Crosse and is the 171^st largest bank in the state of Wisconsin. It is also the 4,723^rd largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 35 employees at 5 locations. Citizens State Bank of Clayton has a 5-star health rating.

Data for Q1 2012

Institution Statistics Citizens State Bank of La Crosse FDIC Certificate # 1513 BankRate Report View Year Established 1907 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $109.51 million Loans $98.04 million Deposits $93.05 million Equity Capital $9.35 million Loan Loss Allowance $944,000 Unbacked Noncurrent Loans $599,000 Real Estate Owned $158,000 Historic Data - March 2011 Assets $97.32 million Equity Capital $7.92 million Loan Loss Allowance $767,000 Unbacked Noncurrent Loans $604,000 Real Estate Owned $272,000 Profit Margin - Quarterly Net Interest Margin 4.71% Return on Assets 2.87% Return on Equity 34.47% Interest Income $1.61 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 of Clayton had $757,000 in non-current loans and owned real-estate with $10.29 million in equity and loan loss allowances on hand to cover it. This gives Citizens State Bank of Clayton a Texas Ratio of 7.36% 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 of Clayton decreased slightly from 10.08% as of March 31, 2011 to 7.36% as of March 31, 2012, resulting in a positive change of 27.05%.This indicates that the balance sheet and financial strength for Citizens State Bank of Clayton has improved slightly in recent periods. Deposit Growth In the past year, Citizens State Bank of Clayton has increased its total deposits by $10.76 million, resulting in 13.08% 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 Clayton 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 of Clayton has $109.51 million in assets with $10.29 million in equity, resulting in a capitalization level of 9.40%, which is average.

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