Citizens 1st Bank

Citizens 1st Bank is headquartered in Tyler and is the 65^th largest bank in the state of Texas. It is also the 832^nd largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 51 employees at 4 locations. Citizens 1st Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Citizens 1st Bank FDIC Certificate # 1715 BankRate Report View Year Established 1920 Employees 51 Primary Regulator FDIC Assets and Liabilities Assets $792.26 million Loans $209.03 million Deposits $478.93 million Equity Capital $143.58 million Loan Loss Allowance $2.28 million Unbacked Noncurrent Loans $4.04 million Real Estate Owned $1.73 million Historic Data - March 2011 Assets $740.37 million Equity Capital $122.97 million Loan Loss Allowance $1.84 million Unbacked Noncurrent Loans $1.70 million Real Estate Owned $1.32 million Profit Margin - Quarterly Net Interest Margin 2.93% Return on Assets 2% Return on Equity 11.1% Interest Income $7.75 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 Citizens 1st Bank had $5.77 million in non-current loans and owned real-estate with $145.85 million in equity and loan loss allowances on hand to cover it. This gives Citizens 1st Bank a Texas Ratio of 3.96% 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 Citizens 1st Bank held steady from 2.42% as of March 31, 2011 to 3.96% as of March 31, 2012, resulting in a negative change of 63.50%. This indicates that the balance sheet and financial strength for Citizens 1st Bank has held steady in recent periods. Deposit Growth In the past year, Citizens 1st Bank has increased its total deposits by $33.35 million, resulting in 7.48% 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 Citizens 1st 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. Citizens 1st Bank has $792.26 million in assets with $145.85 million in equity, resulting in a capitalization level of 18.41%, which is excellent.

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