Citizens Bank & Trust Company (MT)

Citizens Bank & Trust Company (MT) is headquartered in Big Timber and is the 35^th largest bank in the state of Montana. It is also the 4,979^th largest bank in the nation. It was established in 1927 and as of March of 2012, it had grown to 30 employees at 3 locations. Citizens Bank & Trust Company (MT) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Citizens Bank & Trust Company FDIC Certificate # 1972 BankRate Report View Year Established 1927 Employees 30 Primary Regulator FED Assets and Liabilities Assets $98.76 million Loans $50.56 million Deposits $85.23 million Equity Capital $11.22 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $1.20 million Real Estate Owned $583,000 Historic Data - March 2011 Assets $98.51 million Equity Capital $10.78 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $1.22 million Real Estate Owned $717,000 Profit Margin - Quarterly Net Interest Margin 3.78% Return on Assets 0.76% Return on Equity 6.81% Interest Income $985,000

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 Company (MT) had $1.78 million in non-current loans and owned real-estate with $12.34 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank & Trust Company (MT) a Texas Ratio of 14.44% which is above 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 Company (MT) held steady from 16.22% as of March 31, 2011 to 14.44% as of March 31, 2012, resulting in a positive change of 11.01%.This indicates that the balance sheet and financial strength for Citizens Bank & Trust Company (MT) has held steady in recent periods. Deposit Growth In the past year, Citizens Bank & Trust Company (MT) has decreased its total deposits by $-107,000, resulting in -0.13% 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 (MT) has shown is 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 (MT) has $98.76 million in assets with $12.34 million in equity, resulting in a capitalization level of 12.49%, which is excellent.

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