Institution Statistics
| Citizens Bank & Trust Company | | FDIC Certificate # | 1376 | | BankRate Report | View | | Year Established | 1916 | | Employees | 61 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $220.64 million | | Loans | $144.56 million | | Deposits | $191.11 million | | Equity Capital | $23.38 million | | Loan Loss Allowance | $2.98 million | | Unbacked Noncurrent Loans | $2.50 million | | Real Estate Owned | $1.05 million |
Historic Data - March 2011 | | Assets | $221.36 million | | Equity Capital | $22.84 million | | Loan Loss Allowance | $3.02 million | | Unbacked Noncurrent Loans | $2.93 million | | Real Estate Owned | $1.57 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.36% | | Return on Assets | 0.62% | | Return on Equity | 5.85% | | Interest Income | $2.40 million |
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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 had $3.55 million in non-current loans and owned real-estate with $26.36 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank & Trust Company a Texas Ratio of 13.46% 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 decreased slightly from 17.37% as of March 31, 2011 to 13.46% as of March 31, 2012, resulting in a positive change of 22.52%.This indicates that the balance sheet and financial strength for Citizens Bank & Trust Company has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Citizens Bank & Trust Company has decreased its total deposits by -$2.33 million, resulting in -1.21% 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 has shown is below 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 has $220.64 million in assets with $26.36 million in equity, resulting in a capitalization level of 11.95%, which is above average. |
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