Institution Statistics
| Citizens Deposit Bank & Trust | | FDIC Certificate # | 12165 | | BankRate Report | View | | Year Established | 1930 | | Employees | 69 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $218.53 million | | Loans | $122.02 million | | Deposits | $189.21 million | | Equity Capital | $21.47 million | | Loan Loss Allowance | $1.36 million | | Unbacked Noncurrent Loans | $392,000 | | Real Estate Owned | $65,000 |
Historic Data - March 2011 | | Assets | $205.33 million | | Equity Capital | $19.21 million | | Loan Loss Allowance | $1.23 million | | Unbacked Noncurrent Loans | $630,000 | | Real Estate Owned | $250,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.29% | | Return on Assets | 1.81% | | Return on Equity | 18.33% | | Interest Income | $2.99 million |
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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 Deposit Bank & Trust had $457,000 in non-current loans and owned real-estate with $22.83 million in equity and loan loss allowances on hand to cover it. This gives Citizens Deposit Bank & Trust a Texas Ratio of 2.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Citizens Deposit Bank & Trust decreased significantly from 4.31% as of March 31, 2011 to 2.00% as of March 31, 2012, resulting in a positive change of 53.50%.This indicates that the balance sheet and financial strength for Citizens Deposit Bank & Trust has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Citizens Deposit Bank & Trust has increased its total deposits by $11 million, resulting in 6.17% 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 Deposit Bank & Trust has shown is excellent. | | 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 Deposit Bank & Trust has $218.53 million in assets with $22.83 million in equity, resulting in a capitalization level of 10.45%, which is above average. |
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