CITIZENS' BANK, INC.

CITIZENS' BANK, INC. is headquartered in Robertsdale and is the 87^th largest bank in the state of Alabama. It is also the 4,508^th largest bank in the nation. It was established in 1981 and as of March of 2012, it had grown to 38 employees at 4 locations. CITIZENS' BANK, INC. has a 4-star health rating.

Data for Q1 2012

Institution Statistics CITIZENS' BANK, INC. FDIC Certificate # 23523 BankRate Report View Year Established 1981 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $118.03 million Loans $67.07 million Deposits $101.87 million Equity Capital $10.68 million Loan Loss Allowance $1.85 million Unbacked Noncurrent Loans $1.36 million Real Estate Owned $777,000 Historic Data - March 2011 Assets $121.94 million Equity Capital $9.83 million Loan Loss Allowance $1.80 million Unbacked Noncurrent Loans $2.00 million Real Estate Owned $1.83 million Profit Margin - Quarterly Net Interest Margin 3.8% Return on Assets 0.42% Return on Equity 4.68% Interest Income $1.19 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, INC. had $2.14 million in non-current loans and owned real-estate with $12.53 million in equity and loan loss allowances on hand to cover it. This gives CITIZENS' BANK, INC. a Texas Ratio of 17.08% 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, INC. decreased significantly from 32.87% as of March 31, 2011 to 17.08% as of March 31, 2012, resulting in a positive change of 48.06%.This indicates that the balance sheet and financial strength for CITIZENS' BANK, INC. has improved significantly in recent periods. Deposit Growth In the past year, CITIZENS' BANK, INC. has decreased its total deposits by -$4.8 million, resulting in -4.5% 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, INC. 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, INC. has $118.02 million in assets with $12.53 million in equity, resulting in a capitalization level of 10.61%, which is above average.

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