Citizens Progressive Bank

Citizens Progressive Bank is headquartered in Columbia and is the 122^nd largest bank in the state of Louisiana. It is also the 5,432^nd largest bank in the nation. It was established in 1918 and as of March of 2012, it had grown to 28 employees at 3 locations. Citizens Progressive Bank has a 5-star health rating.

Citizens Progressive Bank Routing Number: 111103362

Data for Q1 2012

Institution Statistics Citizens Progressive Bank FDIC Certificate # 10531 BankRate Report View Year Established 1918 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $81.77 million Loans $55.32 million Deposits $70.16 million Equity Capital $11.40 million Loan Loss Allowance $643,000 Unbacked Noncurrent Loans $1.35 million Real Estate Owned $40,000 Historic Data - March 2011 Assets $75.65 million Equity Capital $10.09 million Loan Loss Allowance $668,000 Unbacked Noncurrent Loans $1.63 million Real Estate Owned $383,000 Profit Margin - Quarterly Net Interest Margin 6.33% Return on Assets 3.64% Return on Equity 26.15% Interest Income $1.27 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 Progressive Bank had $1.39 million in non-current loans and owned real-estate with $12.04 million in equity and loan loss allowances on hand to cover it. This gives Citizens Progressive Bank a Texas Ratio of 11.56% 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 Progressive Bank decreased slightly from 18.71% as of March 31, 2011 to 11.56% as of March 31, 2012, resulting in a positive change of 38.20%.This indicates that the balance sheet and financial strength for Citizens Progressive Bank has improved slightly in recent periods. Deposit Growth In the past year, Citizens Progressive Bank has increased its total deposits by $4.8 million, resulting in 7.35% 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 Progressive Bank 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 Progressive Bank has $81.77 million in assets with $12.04 million in equity, resulting in a capitalization level of 14.73%, which is excellent.

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