Citizens National Bank of Greater St. Louis

Citizens National Bank of Greater St. Louis is headquartered in Maplewood and is the 53^rd largest bank in the state of Missouri. It is also the 1,456^th largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 96 employees at 6 locations. Citizens National Bank of Greater St. Louis has a 3-star health rating.

Citizens National Bank of Greater St. Louis CD Rates

Data for Q1 2012

Institution Statistics Citizens National Bank of Greater St. Louis FDIC Certificate # 4549 BankRate Report View Year Established 1915 Employees 96 Primary Regulator OCC Assets and Liabilities Assets $457.20 million Loans $326.29 million Deposits $379.89 million Equity Capital $53.94 million Loan Loss Allowance $6.74 million Unbacked Noncurrent Loans $7.05 million Real Estate Owned $11.27 million Historic Data - March 2011 Assets $486.10 million Equity Capital $50.53 million Loan Loss Allowance $7.15 million Unbacked Noncurrent Loans $9.40 million Real Estate Owned $10.66 million Profit Margin - Quarterly Net Interest Margin 4.04% Return on Assets 1.01% Return on Equity 8.62% Interest Income $5.05 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 National Bank of Greater St. Louis had $18.32 million in non-current loans and owned real-estate with $60.68 million in equity and loan loss allowances on hand to cover it. This gives Citizens National Bank of Greater St. Louis a Texas Ratio of 30.18% 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 National Bank of Greater St. Louis held steady from 34.77% as of March 31, 2011 to 30.18% as of March 31, 2012, resulting in a positive change of 13.20%.This indicates that the balance sheet and financial strength for Citizens National Bank of Greater St. Louis has held steady in recent periods. Deposit Growth In the past year, Citizens National Bank of Greater St. Louis has decreased its total deposits by -$17.81 million, resulting in -4.48% 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 of Greater St. Louis 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 National Bank of Greater St. Louis has $457.2 million in assets with $60.68 million in equity, resulting in a capitalization level of 13.27%, which is excellent.

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