Citizens Business Bank

Citizens Business Bank is headquartered in Ontario and is the 13^st largest bank in the state of California. It is also the 143^rd largest bank in the nation. It was established in 1974 and as of March of 2012, it had grown to 754 employees at 46 locations. Citizens Business Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Citizens Business Bank FDIC Certificate # 21716 BankRate Report View Year Established 1974 Employees 754 Primary Regulator FDIC Assets and Liabilities Assets $6.50 billion Loans $3.34 billion Deposits $4.69 billion Equity Capital $825.51 million Loan Loss Allowance $91.92 million Unbacked Noncurrent Loans $97.15 million Real Estate Owned $11.43 million Historic Data - March 2011 Assets $6.49 billion Equity Capital $762.25 million Loan Loss Allowance $101.07 million Unbacked Noncurrent Loans $158.13 million Real Estate Owned $6.24 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 1.43% Return on Equity 11.36% Interest Income $66.07 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 Business Bank had $108.58 million in non-current loans and owned real-estate with $917.44 million in equity and loan loss allowances on hand to cover it. This gives Citizens Business Bank a Texas Ratio of 11.83% 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 Business Bank decreased slightly from 19.04% as of March 31, 2011 to 11.83% as of March 31, 2012, resulting in a positive change of 37.84%.This indicates that the balance sheet and financial strength for Citizens Business Bank has improved slightly in recent periods. Deposit Growth In the past year, Citizens Business Bank has increased its total deposits by $191.12 million, resulting in 4.25% 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 Business Bank 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 Business Bank has $6.5 billion in assets with $917.44 million in equity, resulting in a capitalization level of 14.12%, which is excellent.

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