Citizens National Bank of Wills Point

Citizens National Bank of Wills Point is headquartered in Wills Point and is the 406^th largest bank in the state of Texas. It is also the 5,012^st largest bank in the nation. It was established in 1981 and as of March of 2012, it had grown to 24 employees at 2 locations. Citizens National Bank of Wills Point has a 5-star health rating.

Data for Q1 2012

Institution Statistics Citizens National Bank of Wills Point FDIC Certificate # 23450 BankRate Report View Year Established 1981 Employees 24 Primary Regulator OCC Assets and Liabilities Assets $97.67 million Loans $54.70 million Deposits $85.73 million Equity Capital $11.25 million Loan Loss Allowance $778,000 Historic Data - March 2011 Assets $95.26 million Equity Capital $10.09 million Loan Loss Allowance $691,000 Unbacked Noncurrent Loans $47,000 Profit Margin - Quarterly Net Interest Margin 4.24% Return on Assets 2.27% Return on Equity 19.32% Interest Income $1.07 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 of Wills Point had $0 in non-current loans and owned real-estate with $12.03 million in equity and loan loss allowances on hand to cover it. This gives Citizens National Bank of Wills Point a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Citizens National Bank of Wills Point has increased its total deposits by $876,000, resulting in 1.03% 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 Wills Point 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 National Bank of Wills Point has $97.67 million in assets with $12.03 million in equity, resulting in a capitalization level of 12.31%, which is excellent.

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