Citizens Bank & Trust Company (TN)

Citizens Bank & Trust Company (TN) is headquartered in Atwood and is the 184^th largest bank in the state of Tennessee. It is also the 7,011^st largest bank in the nation. It was established in 1927 and as of March of 2012, it had grown to 6 employees at 1 location. Citizens Bank & Trust Company (TN) has a 3-star health rating.

Data for Q1 2012

Institution Statistics Citizens Bank & Trust Company FDIC Certificate # 6100 BankRate Report View Year Established 1927 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $27.36 million Loans $13.16 million Deposits $25.00 million Equity Capital $2.22 million Loan Loss Allowance $133,000 Unbacked Noncurrent Loans $631,000 Real Estate Owned $23,000 Historic Data - March 2011 Assets $26.38 million Equity Capital $2.17 million Loan Loss Allowance $107,000 Unbacked Noncurrent Loans $278,000 Profit Margin - Quarterly Net Interest Margin 3.04% Return on Assets 0.79% Return on Equity 9.53% Interest Income $253,000

Institution Health Overall Score: 3 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 (TN) had $654,000 in non-current loans and owned real-estate with $2.36 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank & Trust Company (TN) a Texas Ratio of 27.77% 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 (TN) increased slightly from 12.24% as of March 31, 2011 to 27.77% as of March 31, 2012, resulting in a negative change of 126.96%. This indicates that the balance sheet and financial strength for Citizens Bank & Trust Company (TN) has declined slightly in recent periods. Deposit Growth In the past year, Citizens Bank & Trust Company (TN) has increased its total deposits by $940,000, resulting in 3.91% 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 (TN) 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 (TN) has $27.36 million in assets with $2.36 million in equity, resulting in a capitalization level of 8.61%, which is average.

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