The Citizens State Bank of Cheney, Kansas

The Citizens State Bank of Cheney, Kansas is headquartered in Cheney and is the 212^st largest bank in the state of Kansas. It is also the 6,216^st largest bank in the nation. It was established in 1884 and as of March of 2012, it had grown to 14 employees at 1 location. The Citizens State Bank of Cheney, Kansas' money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

The Citizens State Bank of Cheney, Kansas Checking Account Rates

The Citizens State Bank of Cheney, Kansas Savings Account Rates

The Citizens State Bank of Cheney, Kansas Money Market Rates

The Citizens State Bank of Cheney, Kansas CD Rates

Data for Q1 2012

Institution Statistics The Citizens State Bank of Cheney, Kansas FDIC Certificate # 9658 BankRate Report View Year Established 1884 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $54.76 million Loans $32.03 million Deposits $47.86 million Equity Capital $6.84 million Loan Loss Allowance $710,000 Unbacked Noncurrent Loans $53,000 Historic Data - March 2011 Assets $48.60 million Equity Capital $6.47 million Loan Loss Allowance $522,000 Unbacked Noncurrent Loans $114,000 Profit Margin - Quarterly Net Interest Margin 4.49% Return on Assets 2.06% Return on Equity 15.97% Interest Income $627,000

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 of Cheney, Kansas had $53,000 in non-current loans and owned real-estate with $7.55 million in equity and loan loss allowances on hand to cover it. This gives The Citizens State Bank of Cheney, Kansas a Texas Ratio of 0.70% 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 The Citizens State Bank of Cheney, Kansas decreased significantly from 1.63% as of March 31, 2011 to 0.70% as of March 31, 2012, resulting in a positive change of 56.96%.This indicates that the balance sheet and financial strength for The Citizens State Bank of Cheney, Kansas has improved significantly in recent periods. Deposit Growth In the past year, The Citizens State Bank of Cheney, Kansas has increased its total deposits by $5.78 million, resulting in 13.72% 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 of Cheney, Kansas 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 of Cheney, Kansas has $54.76 million in assets with $7.55 million in equity, resulting in a capitalization level of 13.79%, which is excellent.

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