First Citizens State Bank

Overview / Commentary

www.firstcitizensww.com

262-473-2112

207 West Main Street
Whitewater, WI 53190

First Citizens State Bank is headquartered in Whitewater and is the 72^nd largest bank in the state of Wisconsin. It is also the 2,039^th largest bank in the nation. It was established in 1863 and as of December of 2019, it had grown to 82 employees at 8 locations. First Citizens State Bank has an A+ health rating.

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Health

A+

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	11228
Year Established	1863
Employees	82
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.31%
Return on Equity - YTD	6.66%
Annual Interest Income	$11.7MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$327.1MM$318.3MM
Loans	Q4 2019vs Q4 2018	$186.0MM$168.5MM
Deposits	Q4 2019vs Q4 2018	$259.4MM$252.4MM
Equity Capital	Q4 2019vs Q4 2018	$63.1MM$60.1MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$2.5MM$2.7MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$0$0
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Citizens State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.16%	-	-	Variable IRA
0.10%	-	-	Christmas Club
0.05%	$100	-	Statement Savings

First Citizens State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$250k^*	-	IMMA
OTHER TIERS: 0.01% → Up to $10k \| 0.05% → $10k - $25k \| 0.15% → $25k - $100k \| 0.20% → $100k - $250k

First Citizens State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.01%	-	-	Preferred Checking
0.01%	$1k	-	NOW
0.01%	$5k	-	Super NOW
0.01%	$500	-	Direct Checking

First Citizens State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$1k	-	5 Year CD
1.20%	$1k	-	13 Month CD Special
1.10%	$1k	-	4 Year CD
1.00%	$1k	-	3 Year CD
0.85%	$1k	-	2 1/2 Year CD
0.85%	$1k	-	7 Month CD Special
0.80%	$1k	-	2 Year CD
0.60%	$1k	-	1 1/2 Year CD
0.50%	$1k	-	1 Year CD
0.25%	$1k	-	6 Month CD
0.10%	$1k	-	3 Month CD

First Citizens State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.01%	-	-	3 Year IRA
0.80%	-	-	2 Year IRA
0.60%	-	-	1 1/2 Year IRA
0.50%	-	-	1 Year IRA

Locations

First Citizens State Bank Locations
1058 W Main St Branch	1058 W Main St	Whitewater, WI 53190
First Citizens State Bank	207 West Main Street	Whitewater, WI 53190
East Troy Branch	2546 East Main Street	East Troy, WI 53120
Palmyra State Bank Branch	111 East Main Street	Palmyra, WI 53156

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