Citizens Bank & Trust (AL)

Citizens Bank & Trust (AL) is headquartered in Guntersville and is the 30^th largest bank in the state of Alabama. It is also the 2,200^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 92 employees at 8 locations. Citizens Bank & Trust (AL) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Citizens Bank & Trust FDIC Certificate # 57483 BankRate Report View Year Established 2003 Employees 92 Primary Regulator FDIC Assets and Liabilities Assets $296.86 million Loans $190.68 million Deposits $251.35 million Equity Capital $29.44 million Loan Loss Allowance $2.80 million Unbacked Noncurrent Loans $2.42 million Real Estate Owned $2.58 million Historic Data - March 2011 Assets $287.79 million Equity Capital $26.34 million Loan Loss Allowance $2.52 million Unbacked Noncurrent Loans $4.95 million Real Estate Owned $2.42 million Profit Margin - Quarterly Net Interest Margin 4.47% Return on Assets 0.58% Return on Equity 5.8% Interest Income $3.52 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 & Trust (AL) had $5 million in non-current loans and owned real-estate with $32.24 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank & Trust (AL) a Texas Ratio of 15.51% 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 & Trust (AL) decreased slightly from 25.51% as of March 31, 2011 to 15.51% as of March 31, 2012, resulting in a positive change of 39.19%.This indicates that the balance sheet and financial strength for Citizens Bank & Trust (AL) has improved slightly in recent periods. Deposit Growth In the past year, Citizens Bank & Trust (AL) has increased its total deposits by $3.52 million, resulting in 1.42% 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 & Trust (AL) 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 & Trust (AL) has $296.86 million in assets with $32.24 million in equity, resulting in a capitalization level of 10.86%, which is above average.

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