Citizens Bank and Trust (FL)

Citizens Bank and Trust (FL) is headquartered in Frostproof and is the 55^th largest bank in the state of Florida. It is also the 1,522^nd largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 139 employees at 13 locations. Citizens Bank and Trust (FL) has a 2-star health rating.

Data for Q1 2012

Institution Statistics Citizens Bank and Trust FDIC Certificate # 5673 BankRate Report View Year Established 1920 Employees 139 Primary Regulator FDIC Assets and Liabilities Assets $438.08 million Loans $303.27 million Deposits $385.87 million Equity Capital $34.82 million Loan Loss Allowance $7.03 million Unbacked Noncurrent Loans $26.16 million Real Estate Owned $3.46 million Historic Data - March 2011 Assets $471.81 million Equity Capital $30.26 million Loan Loss Allowance $7.11 million Unbacked Noncurrent Loans $19.14 million Real Estate Owned $2.64 million Profit Margin - Quarterly Net Interest Margin 3.92% Return on Assets 0.45% Return on Equity 5.61% Interest Income $4.58 million

Institution Health Overall Score: 2 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 (FL) had $29.62 million in non-current loans and owned real-estate with $41.85 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank and Trust (FL) a Texas Ratio of 70.79% which is below 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 (FL) increased slightly from 58.28% as of March 31, 2011 to 70.79% as of March 31, 2012, resulting in a negative change of 21.46%. This indicates that the balance sheet and financial strength for Citizens Bank and Trust (FL) has declined slightly in recent periods. Deposit Growth In the past year, Citizens Bank and Trust (FL) has decreased its total deposits by -$13.83 million, resulting in -3.46% 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 (FL) has shown is below 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 and Trust (FL) has $438.08 million in assets with $41.85 million in equity, resulting in a capitalization level of 9.55%, which is average.

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