Citizens Bank & Trust Company in St. Paul

Citizens Bank & Trust Company in St. Paul is headquartered in Saint Paul and is the 81^st largest bank in the state of Nebraska. It is also the 4,505^th largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 30 employees at 3 locations. Citizens Bank & Trust Company in St. Paul has a 5-star health rating.

Data for Q1 2012

Institution Statistics Citizens Bank & Trust Company FDIC Certificate # 5469 BankRate Report View Year Established 1888 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $118.13 million Loans $74.99 million Deposits $100.11 million Equity Capital $11.95 million Loan Loss Allowance $932,000 Unbacked Noncurrent Loans $173,000 Historic Data - March 2011 Assets $114.03 million Equity Capital $10.79 million Loan Loss Allowance $924,000 Unbacked Noncurrent Loans $496,000 Profit Margin - Quarterly Net Interest Margin 4.61% Return on Assets 1.68% Return on Equity 16.71% Interest Income $1.49 million

Institution Health Overall Score: 5 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 in St. Paul had $173,000 in non-current loans and owned real-estate with $12.88 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank & Trust Company in St. Paul a Texas Ratio of 1.34% which is excellent. 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 in St. Paul decreased significantly from 4.23% as of March 31, 2011 to 1.34% as of March 31, 2012, resulting in a positive change of 68.29%.This indicates that the balance sheet and financial strength for Citizens Bank & Trust Company in St. Paul has improved significantly in recent periods. Deposit Growth In the past year, Citizens Bank & Trust Company in St. Paul has increased its total deposits by $1.81 million, resulting in 1.84% 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 in St. Paul 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 Company in St. Paul has $118.13 million in assets with $12.88 million in equity, resulting in a capitalization level of 10.91%, which is above average.

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