City State Bank (IA)

59 Fourth Street North
Central City, IA 52214
(319) 438-6621
www.csb4me.com

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City State Bank (IA) is headquartered in Central City and is the 143^rd largest bank in the state of Iowa. It is also the 4,122^nd largest bank in the nation. It was established in 1946 and as of March of 2012, it had grown to 35 employees at 2 locations. City State Bank (IA)'s money market rates are 3X the national average, and it boasts a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

City State Bank (IA) Checking Account Rates

	Apy	Min	Max	Product
	0.05%	-	-	Checking with Interest

City State Bank (IA) Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Christmas Club Savings
0.25%	-	-	Cool Cat Club Savings
0.10%	-	-	Statement Savings

City State Bank (IA) Money Market Rates

Apy	Min	Max	Product
1.25%	$100	-	IRA Money Market
1.25%	$100	-	Roth IRA Money Market
1.25%	$100	-	CESA Money Market
0.55%	$100k	-	Advantage Money Market

City State Bank (IA) CD Rates

Apy	Min	Max	Product
1.70%	$500	-	35 Month Bump Up CD Special
1.50%	$500	-	60 Month CD
1.40%	$500	-	21 Month Bump Up CD Special
1.20%	$500	-	48 Month CD
1.00%	$500	-	36 Month CD
1.00%	$500	-	11 Month CD Special
0.90%	$500	-	30 Month CD
0.75%	$500	-	24 Month CD
0.70%	$500	-	18 Month CD
0.50%	$500	-	12 Month CD
0.35%	$500	-	6 Month CD
0.20%	$500	-	3 Month CD

City State Bank (IA) IRA Rates

Apy	Min	Max	Product
1.70%	$500	-	35 Month Bump Up IRA Special
1.70%	$500	-	35 Month Bump Up Roth IRA Special
1.70%	$500	-	35 Month Bump Up CESA Special
1.50%	$500	-	60 Month IRA
1.50%	$500	-	60 Month Roth IRA
1.50%	$500	-	60 Month CESA
1.40%	$500	-	21 Month Bump Up IRA Special
1.40%	$500	-	21 Month Bump Up Roth IRA Special
1.40%	$500	-	21 Month Bump Up CESA Special
1.20%	$500	-	48 Month IRA
1.20%	$500	-	48 Month Roth IRA
1.20%	$500	-	48 Month CESA
1.00%	$100	-	FLEX IRA Time Certificate
1.00%	$500	-	36 Month IRA
1.00%	$100	-	FLEX Roth IRA Time Certificate
1.00%	$500	-	36 Month Roth IRA
1.00%	$100	-	FLEX CESA Time Certificate
1.00%	$500	-	36 Month CESA
1.00%	$500	-	11 Month IRA Special
1.00%	$500	-	11 Month Roth IRA Special
1.00%	$500	-	11 Month CESA Special
0.90%	$500	-	30 Month IRA
0.90%	$500	-	30 Month Roth IRA
0.90%	$500	-	30 Month CESA
0.75%	$500	-	24 Month IRA
0.75%	$500	-	24 Month Roth IRA
0.75%	$500	-	24 Month CESA
0.70%	$500	-	18 Month IRA
0.70%	$500	-	18 Month Roth IRA
0.70%	$500	-	18 Month CESA
0.50%	$500	-	12 Month IRA
0.50%	$500	-	12 Month Roth IRA
0.50%	$500	-	12 Month CESA
0.35%	$500	-	6 Month IRA
0.35%	$500	-	6 Month Roth IRA
0.35%	$500	-	6 Month CESA
0.20%	$500	-	3 Month IRA
0.20%	$500	-	3 Month Roth IRA
0.20%	$500	-	3 Month CESA

Rates updated: 5/24/2012

Data for Q1 2012

Institution Statistics

City State Bank
FDIC Certificate #	16438
BankRate Report	View
Year Established	1946
Employees	35
Primary Regulator	FDIC
Assets and Liabilities
Assets	$135.93 million
Loans	$90.74 million
Deposits	$113.03 million
Equity Capital	$14.74 million
Loan Loss Allowance	$1.34 million
Unbacked Noncurrent Loans	$148,000
Real Estate Owned	$117,000
Historic Data - March 2011
Assets	$121.93 million
Equity Capital	$12.29 million
Loan Loss Allowance	$1.02 million
Unbacked Noncurrent Loans	$644,000
Real Estate Owned	$122,000
Profit Margin - Quarterly
Net Interest Margin	4.36%
Return on Assets	1.43%
Return on Equity	13.18%
Interest Income	$1.80 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 City State Bank (IA) had $265,000 in non-current loans and owned real-estate with $16.08 million in equity and loan loss allowances on hand to cover it. This gives City State Bank (IA) a Texas Ratio of 1.65% 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 City State Bank (IA) decreased significantly from 5.76% as of March 31, 2011 to 1.65% as of March 31, 2012, resulting in a positive change of 71.36%.This indicates that the balance sheet and financial strength for City State Bank (IA) has improved significantly in recent periods.
Deposit Growth
In the past year, City State Bank (IA) has increased its total deposits by $14.58 million, resulting in 14.8% 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 City State Bank (IA) 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. City State Bank (IA) has $135.93 million in assets with $16.08 million in equity, resulting in a capitalization level of 11.83%, which is above average.

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