Citizens Bank (10319)

2013 Jefferson Street
Nashville, TN 37208
(615) 327-9787
www.bankcbn.com

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Citizens Bank (10319) is headquartered in Nashville and is the 161^st largest bank in the state of Tennessee. It is also the 5,198^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 28 employees at 4 locations. Citizens Bank (10319) has a 4-star health rating.

Competitive CD Rates at Citizens Bank in TN - Local Only - 11/7/2010

Citizens Bank is offering some competitive CD rates. The best short-term rates include a 1.50% APY 1-year CD and a 1.36% APY 9-month CD. The best long-term CD is a 2.30% APY 3-year CD and IRA CD. Ther ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Citizens Bank (10319) Checking Account Rates

Apy	Min	Max	Product
0.15%	-	-	Citizens Bonus Checking
0.15%	-	-	Citizens Interest Checking
0.15%	-	-	Citizens Ultimate Interest Checking

Citizens Bank (10319) Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Citizens Classic Savings
0.15%	-	-	Citizens Christmas Club Savings

Citizens Bank (10319) Money Market Rates

Apy	Min	Max	Product
1.25%	$100k	-	Citizens Investment Plus
0.20%	-	-	Citizens Commercial Money Market
0.15%	-	-	Citizens Personal Money Market

Citizens Bank (10319) CD Rates

Apy	Min	Max	Product
1.51%	$500	-	60 Month CD
1.31%	$500	-	48 Month CD
1.16%	$500	-	36 Month CD
0.76%	$500	-	24 Month CD
0.40%	$500	-	18 Month CD
0.35%	$500	-	12 Month CD
0.30%	$2,500	-	9 Month CD
0.25%	$2,500	-	6 Month CD
0.15%	$2,500	-	3 Month CD

Citizens Bank (10319) IRA Rates

	Apy	Min	Max	Product
	2.38%	$100	-	3 Year IRA

Rates updated: 5/24/2012

Data for Q1 2012

Institution Statistics

Citizens Savings Bank and Trust Company
FDIC Certificate #	10319
BankRate Report	View
Year Established	1904
Employees	28
Primary Regulator	FDIC
Assets and Liabilities
Assets	$90.74 million
Loans	$64.46 million
Deposits	$79.69 million
Equity Capital	$8.52 million
Loan Loss Allowance	$1.01 million
Unbacked Noncurrent Loans	$2.65 million
Historic Data - March 2011
Assets	$90.06 million
Equity Capital	$7.93 million
Loan Loss Allowance	$961,000
Unbacked Noncurrent Loans	$3.05 million
Real Estate Owned	$12,000
Profit Margin - Quarterly
Net Interest Margin	4.89%
Return on Assets	0.36%
Return on Equity	3.85%
Interest Income	$1.22 million

Institution Health

Overall Score:

4 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 Bank (10319) had $2.65 million in non-current loans and owned real-estate with $9.53 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank (10319) a Texas Ratio of 27.81% 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 Citizens Bank (10319) decreased slightly from 34.46% as of March 31, 2011 to 27.81% as of March 31, 2012, resulting in a positive change of 19.30%.This indicates that the balance sheet and financial strength for Citizens Bank (10319) has improved slightly in recent periods.
Deposit Growth
In the past year, Citizens Bank (10319) has increased its total deposits by $72,000, resulting in 0.09% 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 Bank (10319) has shown is 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. Citizens Bank (10319) has $90.74 million in assets with $9.53 million in equity, resulting in a capitalization level of 10.50%, which is above average.