Institution Statistics
| Citizens Community Federal | | OTS # | 17873 | | FDIC Certificate # | 57265 | | BankRate Report | View | | Year Established | 2001 | | Employees | 202 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $528.78 million | | Loans | $421.47 million | | Deposits | $436.69 million | | Equity Capital | $52.71 million | | Loan Loss Allowance | $5.67 million | | Unbacked Noncurrent Loans | $5.12 million | | Real Estate Owned | $979,000 |
Historic Data - March 2011 | | Assets | $582.02 million | | Equity Capital | $51.91 million | | Loan Loss Allowance | $3.80 million | | Unbacked Noncurrent Loans | $6.22 million | | Real Estate Owned | $420,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.05% | | Return on Assets | 0.1% | | Return on Equity | 0.97% | | Interest Income | $6.73 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 March 31, 2012 Citizens Community Federal had $6.1 million in non-current loans and owned real-estate with $58.37 million in equity and loan loss allowances on hand to cover it. This gives Citizens Community Federal a Texas Ratio of 10.45% 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 11.92% as of March 31, 2011 to 10.45% as of March 31, 2012, resulting in a positive change of 12.34%.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 -$46.56 million, resulting in -9.64% 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 $528.78 million in assets with $58.37 million in equity, resulting in a capitalization level of 11.04%, which is above average. |
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