Citizens' Bank & Trust Co.

Citizens' Bank & Trust Co. is headquartered in Van Buren and is the 32^nd largest bank in the state of Arkansas. It is also the 1,804^th largest bank in the nation. It was established in 1886 and as of March of 2012, it had grown to 107 employees at 7 locations. Citizens' Bank & Trust Co. has a 4-star health rating.

Data for Q1 2012

Institution Statistics Citizens' Bank & Trust Co. FDIC Certificate # 8738 BankRate Report View Year Established 1886 Employees 107 Primary Regulator FED Assets and Liabilities Assets $370.29 million Loans $221.89 million Deposits $327.33 million Equity Capital $38.90 million Loan Loss Allowance $4.06 million Unbacked Noncurrent Loans $5.27 million Real Estate Owned $3.14 million Historic Data - March 2011 Assets $363.78 million Equity Capital $37.11 million Loan Loss Allowance $3.91 million Unbacked Noncurrent Loans $5.79 million Real Estate Owned $3.72 million Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 1.35% Return on Equity 13.08% Interest Income $4.13 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 Co. had $8.41 million in non-current loans and owned real-estate with $42.96 million in equity and loan loss allowances on hand to cover it. This gives Citizens' Bank & Trust Co. a Texas Ratio of 19.58% 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. decreased slightly from 23.17% as of March 31, 2011 to 19.58% as of March 31, 2012, resulting in a positive change of 15.50%.This indicates that the balance sheet and financial strength for Citizens' Bank & Trust Co. has improved slightly in recent periods. Deposit Growth In the past year, Citizens' Bank & Trust Co. has increased its total deposits by $6.99 million, resulting in 2.18% 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. 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 Co. has $370.29 million in assets with $42.96 million in equity, resulting in a capitalization level of 11.60%, which is above average.

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