Citizens State Bank of Roseau

Citizens State Bank of Roseau is headquartered in Roseau and is the 86^th largest bank in the state of Minnesota. It is also the 3,178^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 40 employees at 1 location. Citizens State Bank of Roseau has a 5-star health rating.

Citizens State Bank of Roseau Checking Account Rates

Data for Q1 2012

Institution Statistics Citizens State Bank of Roseau FDIC Certificate # 10167 BankRate Report View Year Established 1905 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $196.01 million Loans $76.30 million Deposits $165.87 million Equity Capital $25.50 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $744,000 Historic Data - March 2011 Assets $187.93 million Equity Capital $23.25 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $279,000 Real Estate Owned $9,000 Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets 1.82% Return on Equity 13.69% Interest Income $1.85 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 Roseau had $744,000 in non-current loans and owned real-estate with $26.69 million in equity and loan loss allowances on hand to cover it. This gives Citizens State Bank of Roseau a Texas Ratio of 2.79% 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 Roseau held steady from 1.30% as of March 31, 2011 to 2.79% as of March 31, 2012, resulting in a negative change of 114.21%. This indicates that the balance sheet and financial strength for Citizens State Bank of Roseau has held steady in recent periods. Deposit Growth In the past year, Citizens State Bank of Roseau has increased its total deposits by $6.04 million, resulting in 3.78% 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 Roseau 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 Roseau has $196.01 million in assets with $26.69 million in equity, resulting in a capitalization level of 13.61%, which is excellent.

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