Institution Statistics
| Citizens Bank & Trust Co. | | FDIC Certificate # | 9777 | | BankRate Report | View | | Year Established | 1917 | | Employees | 38 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $127.45 million | | Loans | $65.23 million | | Deposits | $108.72 million | | Equity Capital | $12.47 million | | Loan Loss Allowance | $621,000 | | Unbacked Noncurrent Loans | $1.16 million | | Real Estate Owned | $2.71 million |
Historic Data - March 2011 | | Assets | $120.38 million | | Equity Capital | $11.84 million | | Loan Loss Allowance | $907,000 | | Unbacked Noncurrent Loans | $1.30 million | | Real Estate Owned | $3.02 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.54% | | Return on Assets | 0.47% | | Return on Equity | 4.81% | | Interest Income | $1.16 million |
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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 Co. (MS) had $3.87 million in non-current loans and owned real-estate with $13.09 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank & Trust Co. (MS) a Texas Ratio of 29.56% 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 Co. (MS) held steady from 33.87% as of March 31, 2011 to 29.56% as of March 31, 2012, resulting in a positive change of 12.74%.This indicates that the balance sheet and financial strength for Citizens Bank & Trust Co. (MS) has held steady in recent periods. | | Deposit Growth |  | | In the past year, Citizens Bank & Trust Co. (MS) has increased its total deposits by $8.49 million, resulting in 8.47% 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 Co. (MS) 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 & Trust Co. (MS) has $127.45 million in assets with $13.09 million in equity, resulting in a capitalization level of 10.27%, which is above average. |
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