Institution Statistics
| Citizens Community Federal | | OTS # | 17873 | | FDIC Certificate # | 57265 | | BankRate Report | View | | Year Established | 2001 | | Employees | 185 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $536.56 million | | Loans | $426.85 million | | Deposits | $449.45 million | | Equity Capital | $52.35 million | | Loan Loss Allowance | $4.21 million | | Unbacked Noncurrent Loans | $4.33 million | | Real Estate Owned | $1.15 million |
Historic Data - September 2010 | | Assets | $594.37 million | | Equity Capital | $49.14 million | | Loan Loss Allowance | $3.41 million | | Unbacked Noncurrent Loans | $5.08 million | | Real Estate Owned | $372,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.04% | | Return on Assets | 0.14% | | Return on Equity | 1.5% | | Interest Income | $22.41 million |
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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 September 30, 2011 Citizens Community Federal had $5.48 million in non-current loans and owned real-estate with $56.56 million in equity and loan loss allowances on hand to cover it. This gives Citizens Community Federal a Texas Ratio of 9.69% 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 Community Federal held steady from 10.38% as of September 30, 2010 to 9.69% as of September 30, 2011, resulting in a positive change of 6.67%.This indicates that the balance sheet and financial strength for Citizens Community Federal has held steady in recent periods. | | Deposit Growth |  | | In the past year, Citizens Community Federal has decreased its total deposits by -$27.52 million, resulting in -5.77% 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 Federal has shown is poor. | | 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 Federal has $536.56 million in assets with $56.56 million in equity, resulting in a capitalization level of 10.54%, which is above average. |
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