Citizens National Bank of Texas

Citizens National Bank of Texas is headquartered in Waxahachie and is the 83^rd largest bank in the state of Texas. It is also the 1,139^th largest bank in the nation. It was established in 1868 and as of March of 2012, it had grown to 145 employees at 13 locations. Citizens National Bank of Texas has a 4-star health rating.

Citizens National Bank of Texas Routing Number: 111901629

Data for Q1 2012

Institution Statistics Citizens National Bank of Texas FDIC Certificate # 5574 BankRate Report View Year Established 1868 Employees 145 Primary Regulator OCC Assets and Liabilities Assets $591.79 million Loans $424.90 million Deposits $509.25 million Equity Capital $63.84 million Loan Loss Allowance $6.08 million Unbacked Noncurrent Loans $15.49 million Real Estate Owned $4.20 million Historic Data - March 2011 Assets $523.75 million Equity Capital $56.20 million Loan Loss Allowance $9.22 million Unbacked Noncurrent Loans $26.10 million Real Estate Owned $6.07 million Profit Margin - Quarterly Net Interest Margin 4.57% Return on Assets 1.89% Return on Equity 17.34% Interest Income $6.84 million

Institution Health Overall Score: 4 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 Texas had $19.68 million in non-current loans and owned real-estate with $69.92 million in equity and loan loss allowances on hand to cover it. This gives Citizens National Bank of Texas a Texas Ratio of 28.15% which is 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 Texas decreased significantly from 49.67% as of March 31, 2011 to 28.15% as of March 31, 2012, resulting in a positive change of 43.33%.This indicates that the balance sheet and financial strength for Citizens National Bank of Texas has improved significantly in recent periods. Deposit Growth In the past year, Citizens National Bank of Texas has increased its total deposits by $69.05 million, resulting in 15.69% 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 Texas 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 of Texas has $591.79 million in assets with $69.92 million in equity, resulting in a capitalization level of 11.82%, which is above average.

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