First Citizens State Bank

First Citizens State Bank is headquartered in Whitewater and is the 85^th largest bank in the state of Wisconsin. It is also the 2,575^th largest bank in the nation. It was established in 1863 and as of March of 2012, it had grown to 68 employees at 8 locations. First Citizens State Bank's savings rates are 12% higher than the national average, and it boasts a 5-star health rating.

First Citizens State Bank Routing Number: 075902337

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Data for Q1 2012

Institution Statistics First Citizens State Bank FDIC Certificate # 11228 BankRate Report View Year Established 1863 Employees 68 Primary Regulator FDIC Assets and Liabilities Assets $249.86 million Loans $149.88 million Deposits $201.72 million Equity Capital $37.76 million Loan Loss Allowance $1.97 million Unbacked Noncurrent Loans $44,000 Historic Data - March 2011 Assets $224.63 million Equity Capital $35.27 million Loan Loss Allowance $2.11 million Unbacked Noncurrent Loans $194,000 Profit Margin - Quarterly Net Interest Margin 3.8% Return on Assets 1.1% Return on Equity 7.3% Interest Income $2.57 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 First Citizens State Bank had $44,000 in non-current loans and owned real-estate with $39.73 million in equity and loan loss allowances on hand to cover it. This gives First Citizens State Bank a Texas Ratio of 0.11% 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 First Citizens State Bank decreased significantly from 0.52% as of March 31, 2011 to 0.11% as of March 31, 2012, resulting in a positive change of 78.66%.This indicates that the balance sheet and financial strength for First Citizens State Bank has improved significantly in recent periods. Deposit Growth In the past year, First Citizens State Bank has increased its total deposits by $22.94 million, resulting in 12.83% 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 First Citizens State Bank 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. First Citizens State Bank has $249.86 million in assets with $39.73 million in equity, resulting in a capitalization level of 15.90%, which is excellent.

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