Institution Statistics
| The Citizens State Bank | | FDIC Certificate # | 18077 | | BankRate Report | View | | Year Established | 1905 | | Employees | 4 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $11.96 million | | Loans | $4.07 million | | Deposits | $11.02 million | | Equity Capital | $933,000 | | Loan Loss Allowance | $91,000 |
Historic Data - March 2011 | | Assets | $11.12 million | | Equity Capital | $824,000 | | Loan Loss Allowance | $91,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.56% | | Return on Assets | 0.43% | | Return on Equity | 5.17% | | Interest Income | $71,000 |
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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 The Citizens State Bank (18077) had $0 in non-current loans and owned real-estate with $1.02 million in equity and loan loss allowances on hand to cover it. This gives The Citizens State Bank (18077) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, The Citizens State Bank (18077) has increased its total deposits by $737,000, resulting in 7.16% 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 State Bank (18077) 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. The Citizens State Bank (18077) has $11.96 million in assets with $1.02 million in equity, resulting in a capitalization level of 8.56%, which is average. |
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