Citizens Bank & Trust Company of Vivian, Louisiana

Citizens Bank & Trust Company of Vivian, Louisiana is headquartered in Vivian and is the 81^st largest bank in the state of Louisiana. It is also the 3,872^nd largest bank in the nation. It was established in 1967 and as of March of 2012, it had grown to 63 employees at 5 locations. Citizens Bank & Trust Company of Vivian, Louisiana has a 4-star health rating.

Data for Q1 2012

Institution Statistics Citizens Bank & Trust Company of Vivian, Louisiana FDIC Certificate # 19744 BankRate Report View Year Established 1967 Employees 63 Primary Regulator FDIC Assets and Liabilities Assets $149.97 million Loans $109.56 million Deposits $126.25 million Equity Capital $14.75 million Loan Loss Allowance $809,000 Unbacked Noncurrent Loans $1.80 million Real Estate Owned $843,000 Historic Data - March 2011 Assets $139.11 million Equity Capital $13.19 million Loan Loss Allowance $687,000 Unbacked Noncurrent Loans $2.50 million Real Estate Owned $882,000 Profit Margin - Quarterly Net Interest Margin 4.75% Return on Assets 0.84% Return on Equity 8.38% Interest Income $1.97 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 Company of Vivian, Louisiana had $2.64 million in non-current loans and owned real-estate with $15.55 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank & Trust Company of Vivian, Louisiana a Texas Ratio of 17.00% 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 Company of Vivian, Louisiana decreased slightly from 24.34% as of March 31, 2011 to 17.00% as of March 31, 2012, resulting in a positive change of 30.17%.This indicates that the balance sheet and financial strength for Citizens Bank & Trust Company of Vivian, Louisiana has improved slightly in recent periods. Deposit Growth In the past year, Citizens Bank & Trust Company of Vivian, Louisiana has increased its total deposits by $6.34 million, resulting in 5.29% 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 of Vivian, Louisiana 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 Company of Vivian, Louisiana has $149.97 million in assets with $15.55 million in equity, resulting in a capitalization level of 10.37%, which is above average.

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