Citizens Bank of Ada

Citizens Bank of Ada is headquartered in Ada and is the 62^nd largest bank in the state of Oklahoma. It is also the 2,826^th largest bank in the nation. It was established in 1967 and as of March of 2012, it had grown to 76 employees at 4 locations. Citizens Bank of Ada has a 4-star health rating.

Citizens Bank of Ada Routing Number: 103101330

Data for Q1 2012

Institution Statistics Citizens Bank of Ada FDIC Certificate # 19679 BankRate Report View Year Established 1967 Employees 76 Primary Regulator FDIC Assets and Liabilities Assets $225.98 million Loans $105.25 million Deposits $186.59 million Equity Capital $17.31 million Loan Loss Allowance $702,000 Unbacked Noncurrent Loans $1.27 million Real Estate Owned $760,000 Historic Data - March 2011 Assets $213.72 million Equity Capital $17.14 million Loan Loss Allowance $733,000 Unbacked Noncurrent Loans $414,000 Real Estate Owned $538,000 Profit Margin - Quarterly Net Interest Margin 3.39% Return on Assets 0.5% Return on Equity 6.22% Interest Income $1.97 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 of Ada had $2.03 million in non-current loans and owned real-estate with $18.01 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank of Ada a Texas Ratio of 11.27% 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 of Ada increased slightly from 5.33% as of March 31, 2011 to 11.27% as of March 31, 2012, resulting in a negative change of 111.65%. This indicates that the balance sheet and financial strength for Citizens Bank of Ada has declined slightly in recent periods. Deposit Growth In the past year, Citizens Bank of Ada has increased its total deposits by $13.01 million, resulting in 7.5% 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 of Ada 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 of Ada has $225.98 million in assets with $18.01 million in equity, resulting in a capitalization level of 7.97%, which is below average.

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