Citizens Security Bank & Trust Company

Citizens Security Bank & Trust Company is headquartered in Bixby and is the 13^st largest bank in the state of Oklahoma. It is also the 992^nd largest bank in the nation. It was established in 1924 and as of March of 2012, it had grown to 222 employees at 13 locations. Citizens Security Bank & Trust Company has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Citizens Security Bank & Trust Company FDIC Certificate # 10667 BankRate Report View Year Established 1924 Employees 222 Primary Regulator FED Assets and Liabilities Assets $667.86 million Loans $472.43 million Deposits $598.96 million Equity Capital $54.38 million Loan Loss Allowance $8.65 million Unbacked Noncurrent Loans $9.63 million Real Estate Owned $795,000 Historic Data - March 2011 Assets $644.16 million Equity Capital $50.73 million Loan Loss Allowance $7.93 million Unbacked Noncurrent Loans $5.16 million Real Estate Owned $3.10 million Profit Margin - Quarterly Net Interest Margin 4.45% Return on Assets 1.19% Return on Equity 14.46% Interest Income $7.46 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 Security Bank & Trust Company had $10.42 million in non-current loans and owned real-estate with $63.02 million in equity and loan loss allowances on hand to cover it. This gives Citizens Security Bank & Trust Company a Texas Ratio of 16.53% 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 Security Bank & Trust Company held steady from 15.05% as of March 31, 2011 to 16.53% as of March 31, 2012, resulting in a negative change of 9.87%. This indicates that the balance sheet and financial strength for Citizens Security Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Citizens Security Bank & Trust Company has increased its total deposits by $20.3 million, resulting in 3.51% 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 Security Bank & Trust Company 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 Security Bank & Trust Company has $667.86 million in assets with $63.02 million in equity, resulting in a capitalization level of 9.44%, which is average.

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