Citizens Bank of Rogersville

Citizens Bank of Rogersville is headquartered in Rogersville and is the 256^th largest bank in the state of Missouri. It is also the 5,998^th largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 24 employees at 2 locations. Citizens Bank of Rogersville's savings rates are 2X the national average, and it has a 4-star health rating.

Citizens Bank of Rogersville Savings Account Rates

Citizens Bank of Rogersville CD Rates

Data for Q1 2012

Institution Statistics Citizens Bank of Rogersville FDIC Certificate # 8572 BankRate Report View Year Established 1908 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $62.56 million Loans $29.83 million Deposits $57.56 million Equity Capital $4.79 million Loan Loss Allowance $512,000 Unbacked Noncurrent Loans $851,000 Real Estate Owned $668,000 Historic Data - March 2011 Assets $60.86 million Equity Capital $4.71 million Loan Loss Allowance $654,000 Unbacked Noncurrent Loans $1.21 million Real Estate Owned $1.43 million Profit Margin - Quarterly Net Interest Margin 3.46% Return on Assets 0.01% Return on Equity 0.08% Interest Income $560,000

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 Rogersville had $1.52 million in non-current loans and owned real-estate with $5.31 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank of Rogersville a Texas Ratio of 28.63% 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 of Rogersville decreased significantly from 49.35% as of March 31, 2011 to 28.63% as of March 31, 2012, resulting in a positive change of 41.99%.This indicates that the balance sheet and financial strength for Citizens Bank of Rogersville has improved significantly in recent periods. Deposit Growth In the past year, Citizens Bank of Rogersville has increased its total deposits by $1.61 million, resulting in 2.88% 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 Rogersville has shown is above 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 of Rogersville has $62.56 million in assets with $5.31 million in equity, resulting in a capitalization level of 8.48%, which is average.

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