Citizens Bank and Trust Company of Grainger County

Citizens Bank and Trust Company of Grainger County is headquartered in Rutledge and is the 98^th largest bank in the state of Tennessee. It is also the 3,278^th largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 52 employees at 5 locations. Citizens Bank and Trust Company of Grainger County has a 5-star health rating.

Data for Q1 2012

Institution Statistics Citizens Bank and Trust Company of Grainger County FDIC Certificate # 10317 BankRate Report View Year Established 1919 Employees 52 Primary Regulator FDIC Assets and Liabilities Assets $187.73 million Loans $67.53 million Deposits $154.36 million Equity Capital $32.01 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $2.12 million Real Estate Owned $989,000 Historic Data - March 2011 Assets $176.09 million Equity Capital $30.27 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $2.44 million Real Estate Owned $770,000 Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 1.33% Return on Equity 7.78% Interest Income $1.90 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 Bank and Trust Company of Grainger County had $3.1 million in non-current loans and owned real-estate with $33.18 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank and Trust Company of Grainger County a Texas Ratio of 9.36% which is above 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 and Trust Company of Grainger County held steady from 10.22% as of March 31, 2011 to 9.36% as of March 31, 2012, resulting in a positive change of 8.50%.This indicates that the balance sheet and financial strength for Citizens Bank and Trust Company of Grainger County has held steady in recent periods. Deposit Growth In the past year, Citizens Bank and Trust Company of Grainger County has increased its total deposits by $9.66 million, resulting in 6.68% 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 and Trust Company of Grainger County 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 Bank and Trust Company of Grainger County has $187.73 million in assets with $33.18 million in equity, resulting in a capitalization level of 17.67%, which is excellent.

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