Citizens First Bank Wartburg

Citizens First Bank Wartburg is headquartered in Wartburg and is the 115^st largest bank in the state of Tennessee. It is also the 3,746^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 58 employees at 5 locations. Citizens First Bank Wartburg has a 3-star health rating.

Data for Q1 2012

Institution Statistics Citizens First Bank FDIC Certificate # 34311 BankRate Report View Year Established 1997 Employees 58 Primary Regulator FDIC Assets and Liabilities Assets $157.41 million Loans $109.34 million Deposits $140.86 million Equity Capital $13.04 million Loan Loss Allowance $1.65 million Unbacked Noncurrent Loans $4.14 million Real Estate Owned $3.92 million Historic Data - March 2011 Assets $155.76 million Equity Capital $12.56 million Loan Loss Allowance $1.69 million Unbacked Noncurrent Loans $5.53 million Real Estate Owned $4.17 million Profit Margin - Quarterly Net Interest Margin 4.33% Return on Assets 0.31% Return on Equity 3.76% Interest Income $1.91 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 March 31, 2012 Citizens First Bank Wartburg had $8.06 million in non-current loans and owned real-estate with $14.69 million in equity and loan loss allowances on hand to cover it. This gives Citizens First Bank Wartburg a Texas Ratio of 54.88% 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 First Bank Wartburg decreased slightly from 68.04% as of March 31, 2011 to 54.88% as of March 31, 2012, resulting in a positive change of 19.34%.This indicates that the balance sheet and financial strength for Citizens First Bank Wartburg has improved slightly in recent periods. Deposit Growth In the past year, Citizens First Bank Wartburg has increased its total deposits by $1.89 million, resulting in 1.36% 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 First Bank Wartburg 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 First Bank Wartburg has $157.41 million in assets with $14.69 million in equity, resulting in a capitalization level of 9.33%, which is average.

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