Citizens Guaranty Bank

Citizens Guaranty Bank is headquartered in Richmond and is the 114^st largest bank in the state of Kentucky. It is also the 4,273^rd largest bank in the nation. It was established in 1972 and as of March of 2012, it had grown to 51 employees at 6 locations. Citizens Guaranty Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics Citizens Guaranty Bank FDIC Certificate # 20872 BankRate Report View Year Established 1972 Employees 51 Primary Regulator FDIC Assets and Liabilities Assets $129.05 million Loans $97.00 million Deposits $111.38 million Equity Capital $11.33 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $876,000 Real Estate Owned $478,000 Historic Data - March 2011 Assets $138.01 million Equity Capital $10.57 million Loan Loss Allowance $1.88 million Unbacked Noncurrent Loans $755,000 Real Estate Owned $715,000 Profit Margin - Quarterly Net Interest Margin 4.77% Return on Assets 0.78% Return on Equity 9.11% Interest Income $1.64 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 Guaranty Bank had $1.35 million in non-current loans and owned real-estate with $12.74 million in equity and loan loss allowances on hand to cover it. This gives Citizens Guaranty Bank a Texas Ratio of 10.63% 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 Guaranty Bank held steady from 11.81% as of March 31, 2011 to 10.63% as of March 31, 2012, resulting in a positive change of 9.97%.This indicates that the balance sheet and financial strength for Citizens Guaranty Bank has held steady in recent periods. Deposit Growth In the past year, Citizens Guaranty Bank has decreased its total deposits by -$10.77 million, resulting in -8.81% 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 Guaranty Bank 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 Guaranty Bank has $129.05 million in assets with $12.74 million in equity, resulting in a capitalization level of 9.87%, which is average.

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