Citizens Bank & Trust Company (GA)

Citizens Bank & Trust Company (GA) is headquartered in Eastman and is the 120^th largest bank in the state of Georgia. It is also the 3,886^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 50 employees at 6 locations. Citizens Bank & Trust Company (GA) has a 1-star health rating.

Data for Q1 2012

Institution Statistics Citizens Bank & Trust Company FDIC Certificate # 16780 BankRate Report View Year Established 1934 Employees 50 Primary Regulator FDIC Assets and Liabilities Assets $149.18 million Loans $73.99 million Deposits $129.78 million Equity Capital $9.16 million Loan Loss Allowance $2.04 million Unbacked Noncurrent Loans $3.31 million Real Estate Owned $9.21 million Historic Data - March 2011 Assets $168.03 million Equity Capital $7.50 million Loan Loss Allowance $2.64 million Unbacked Noncurrent Loans $4.24 million Real Estate Owned $7.56 million Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 5.55% Return on Equity 100.64% Interest Income $1.51 million

Institution Health Overall Score: 1 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 Company (GA) had $12.53 million in non-current loans and owned real-estate with $11.2 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank & Trust Company (GA) a Texas Ratio of 111.79% which is poor. 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 Company (GA) held steady from 116.36% as of March 31, 2011 to 111.79% as of March 31, 2012, resulting in a positive change of 3.93%.This indicates that the balance sheet and financial strength for Citizens Bank & Trust Company (GA) has held steady in recent periods. Deposit Growth In the past year, Citizens Bank & Trust Company (GA) has decreased its total deposits by -$18.79 million, resulting in -12.65% 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 Company (GA) has shown is poor. 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 Company (GA) has $149.18 million in assets with $11.2 million in equity, resulting in a capitalization level of 7.51%, which is below average.

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