City State Bank

City State Bank is headquartered in Norwalk and is the 68^th largest bank in the state of Iowa. It is also the 2,620^th largest bank in the nation. It was established in 1895 and as of March of 2012, it had grown to 60 employees at 8 locations. City State Bank has a 4-star health rating.

City State Bank Routing Number: 073911061

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Data for Q1 2012

Institution Statistics City State Bank FDIC Certificate # 14410 BankRate Report View Year Established 1895 Employees 60 Primary Regulator FDIC Assets and Liabilities Assets $245.54 million Loans $142.98 million Deposits $205.06 million Equity Capital $22.85 million Loan Loss Allowance $1.46 million Unbacked Noncurrent Loans $1.24 million Real Estate Owned $561,000 Historic Data - March 2011 Assets $236.92 million Equity Capital $20.10 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $862,000 Real Estate Owned $509,000 Profit Margin - Quarterly Net Interest Margin 3.15% Return on Assets 1.48% Return on Equity 15.81% Interest Income $2.22 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 City State Bank had $1.8 million in non-current loans and owned real-estate with $24.31 million in equity and loan loss allowances on hand to cover it. This gives City State Bank a Texas Ratio of 7.39% 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 held steady from 6.39% as of March 31, 2011 to 7.39% as of March 31, 2012, resulting in a negative change of 15.60%. This indicates that the balance sheet and financial strength for City State Bank has held steady in recent periods. Deposit Growth In the past year, City State Bank has decreased its total deposits by -$2.35 million, resulting in -1.13% 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 has shown is below 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. City State Bank has $245.54 million in assets with $24.31 million in equity, resulting in a capitalization level of 9.90%, which is average.

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