Citizens Financial Bank

Citizens Financial Bank is headquartered in Munster and is the 14^st largest bank in the state of Indiana. It is also the 584^th largest bank in the nation. It was established in 1934 and as of December of 2012, it had grown to 261 employees at 20 locations. Citizens Financial Bank has a 3-star health rating.

Data for Q4 2012

Institution Statistics Citizens Financial Bank OTS # 03344 FDIC Certificate # 29367 BankRate Report View Year Established 1934 Employees 261 Primary Regulator OCC Assets and Liabilities Assets $1.14 billion Loans $680.95 million Deposits $972.86 million Equity Capital $111.20 million Loan Loss Allowance $12.19 million Unbacked Noncurrent Loans $26.94 million Real Estate Owned $23.35 million Historic Data - December 2011 Assets $1.15 billion Equity Capital $102.06 million Loan Loss Allowance $12.41 million Unbacked Noncurrent Loans $45.55 million Real Estate Owned $19.09 million Profit Margin - Quarterly Net Interest Margin 3.59% Return on Assets 0.45% Return on Equity 4.84% Interest Income $42.16 million

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 December 31, 2012 Citizens Financial Bank had $50.29 million in non-current loans and owned real-estate with $123.39 million in equity and loan loss allowances on hand to cover it. This gives Citizens Financial Bank a Texas Ratio of 40.76% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Citizens Financial Bank decreased slightly from 56.47% as of December 31, 2011 to 40.76% as of December 31, 2012, resulting in a positive change of 27.83%.This indicates that the balance sheet and financial strength for Citizens Financial Bank has improved slightly in recent periods. Deposit Growth In the past year, Citizens Financial Bank has decreased its total deposits by -$13.83 million, resulting in -1.4% 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 Financial Bank has shown is below 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 Financial Bank has $1.14 billion in assets with $123.39 million in equity, resulting in a capitalization level of 10.84%, which is above average.

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