Citizens Community Bank

Citizens Community Bank is headquartered in Hahira and is the 144^th largest bank in the state of Georgia. It is also the 4,397^th largest bank in the nation. It was established in 1927 and as of March of 2012, it had grown to 48 employees at 4 locations. Citizens Community Bank has a 4-star health rating.

Citizens Community Bank Routing Number: 061209552

Data for Q1 2012

Institution Statistics Citizens Community Bank FDIC Certificate # 12079 BankRate Report View Year Established 1927 Employees 48 Primary Regulator FDIC Assets and Liabilities Assets $123.07 million Loans $79.44 million Deposits $111.13 million Equity Capital $11.70 million Loan Loss Allowance $956,000 Unbacked Noncurrent Loans $616,000 Real Estate Owned $2.34 million Historic Data - March 2011 Assets $118.51 million Equity Capital $10.78 million Loan Loss Allowance $939,000 Unbacked Noncurrent Loans $1.73 million Real Estate Owned $2.63 million Profit Margin - Quarterly Net Interest Margin 4.38% Return on Assets 0.98% Return on Equity 10.17% Interest Income $1.50 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 Community Bank had $2.95 million in non-current loans and owned real-estate with $12.66 million in equity and loan loss allowances on hand to cover it. This gives Citizens Community Bank a Texas Ratio of 23.34% 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 Community Bank decreased slightly from 37.14% as of March 31, 2011 to 23.34% as of March 31, 2012, resulting in a positive change of 37.15%.This indicates that the balance sheet and financial strength for Citizens Community Bank has improved slightly in recent periods. Deposit Growth In the past year, Citizens Community Bank has increased its total deposits by $3.69 million, resulting in 3.43% 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 Community 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 Community Bank has $123.07 million in assets with $12.66 million in equity, resulting in a capitalization level of 10.28%, which is above average.

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