Citizens State Bank of Lankin

Citizens State Bank of Lankin is headquartered in Lankin and is the 76^th largest bank in the state of North Dakota. It is also the 6,617^st largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 12 employees at 4 locations. Citizens State Bank of Lankin has a 4-star health rating.

Data for Q1 2012

Institution Statistics Citizens State Bank of Lankin FDIC Certificate # 9422 BankRate Report View Year Established 1905 Employees 12 Primary Regulator FDIC Assets and Liabilities Assets $41.79 million Loans $24.50 million Deposits $38.39 million Equity Capital $3.31 million Loan Loss Allowance $461,000 Real Estate Owned $570,000 Historic Data - March 2011 Assets $39.10 million Equity Capital $3.15 million Loan Loss Allowance $451,000 Real Estate Owned $615,000 Profit Margin - Quarterly Net Interest Margin 4.56% Return on Assets 0.98% Return on Equity 11.92% Interest Income $455,000

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 Lankin had $570,000 in non-current loans and owned real-estate with $3.78 million in equity and loan loss allowances on hand to cover it. This gives Citizens State Bank of Lankin a Texas Ratio of 15.10% 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 Lankin held steady from 17.08% as of March 31, 2011 to 15.10% as of March 31, 2012, resulting in a positive change of 11.59%.This indicates that the balance sheet and financial strength for Citizens State Bank of Lankin has held steady in recent periods. Deposit Growth In the past year, Citizens State Bank of Lankin has increased its total deposits by $2.54 million, resulting in 7.08% 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 Lankin 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 Lankin has $41.79 million in assets with $3.78 million in equity, resulting in a capitalization level of 9.03%, which is average.

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