Institution Statistics
| Citizens Bank, National Association | | FDIC Certificate # | 4667 | | BankRate Report | View | | Year Established | 1884 | | Employees | 81 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $277.25 million | | Loans | $121.77 million | | Deposits | $184.42 million | | Equity Capital | $32.78 million | | Loan Loss Allowance | $2.84 million | | Unbacked Noncurrent Loans | $9.78 million | | Real Estate Owned | $3.52 million |
Historic Data - March 2011 | | Assets | $280.91 million | | Equity Capital | $30.20 million | | Loan Loss Allowance | $3.17 million | | Unbacked Noncurrent Loans | $10.24 million | | Real Estate Owned | $7.00 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.7% | | Return on Assets | 1.15% | | Return on Equity | 9.78% | | Interest Income | $3.05 million |
|
|
Institution Health
Overall Score:
3 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, N.A. had $13.3 million in non-current loans and owned real-estate with $35.62 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank, N.A. a Texas Ratio of 37.32% 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, N.A. decreased slightly from 51.67% as of March 31, 2011 to 37.32% as of March 31, 2012, resulting in a positive change of 27.76%.This indicates that the balance sheet and financial strength for Citizens Bank, N.A. has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Citizens Bank, N.A. has decreased its total deposits by -$5.14 million, resulting in -2.71% 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, N.A. 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, N.A. has $277.24 million in assets with $35.62 million in equity, resulting in a capitalization level of 12.85%, which is excellent. |
|
