The Citizens Savings Bank

The Citizens Savings Bank is headquartered in Martins Ferry and is the 47^th largest bank in the state of Ohio. It is also the 1,551^st largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 140 employees at 20 locations. The Citizens Savings Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Citizens Savings Bank FDIC Certificate # 9463 BankRate Report View Year Established 1902 Employees 140 Primary Regulator FDIC Assets and Liabilities Assets $429.57 million Loans $276.04 million Deposits $342.43 million Equity Capital $38.63 million Loan Loss Allowance $2.91 million Unbacked Noncurrent Loans $4.77 million Real Estate Owned $1.99 million Historic Data - March 2011 Assets $431.99 million Equity Capital $37.84 million Loan Loss Allowance $2.52 million Unbacked Noncurrent Loans $4.86 million Real Estate Owned $2.04 million Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets 1.02% Return on Equity 11.12% Interest Income $4.68 million

Institution Health Overall Score: 3 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 The Citizens Savings Bank had $6.76 million in non-current loans and owned real-estate with $41.53 million in equity and loan loss allowances on hand to cover it. This gives The Citizens Savings Bank a Texas Ratio of 16.29% 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 The Citizens Savings Bank held steady from 17.08% as of March 31, 2011 to 16.29% as of March 31, 2012, resulting in a positive change of 4.67%.This indicates that the balance sheet and financial strength for The Citizens Savings Bank has held steady in recent periods. Deposit Growth In the past year, The Citizens Savings Bank has increased its total deposits by $9.77 million, resulting in 2.94% 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 The Citizens Savings Bank 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. The Citizens Savings Bank has $429.57 million in assets with $41.53 million in equity, resulting in a capitalization level of 9.67%, which is average.

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