Citizens National Bank (3250)

Citizens National Bank (3250) is headquartered in Henderson and is the 54^th largest bank in the state of Texas. It is also the 700^th largest bank in the nation. It was established in 1930 and as of March of 2012, it had grown to 289 employees at 18 locations. Citizens National Bank (3250) has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Citizens National Bank FDIC Certificate # 3250 BankRate Report View Year Established 1930 Employees 289 Primary Regulator OCC Assets and Liabilities Assets $941.49 million Loans $440.78 million Deposits $831.05 million Equity Capital $103.09 million Loan Loss Allowance $7.61 million Unbacked Noncurrent Loans $1.40 million Real Estate Owned $1.61 million Historic Data - March 2011 Assets $884.46 million Equity Capital $92.76 million Loan Loss Allowance $7.79 million Unbacked Noncurrent Loans $686,000 Real Estate Owned $738,000 Profit Margin - Quarterly Net Interest Margin 3.59% Return on Assets 1.07% Return on Equity 9.56% Interest Income $8.63 million

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 National Bank (3250) had $3.01 million in non-current loans and owned real-estate with $110.7 million in equity and loan loss allowances on hand to cover it. This gives Citizens National Bank (3250) a Texas Ratio of 2.72% 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 National Bank (3250) held steady from 1.42% as of March 31, 2011 to 2.72% as of March 31, 2012, resulting in a negative change of 92.13%. This indicates that the balance sheet and financial strength for Citizens National Bank (3250) has held steady in recent periods. Deposit Growth In the past year, Citizens National Bank (3250) has increased its total deposits by $47.64 million, resulting in 6.08% 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 National Bank (3250) 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 National Bank (3250) has $941.49 million in assets with $110.7 million in equity, resulting in a capitalization level of 11.76%, which is above average.