Citizens Trust Bank

Citizens Trust Bank is headquartered in Atlanta and is the 35^th largest bank in the state of Georgia. It is also the 1,636^th largest bank in the nation. It was established in 1921 and as of March of 2012, it had grown to 107 employees at 11 locations. Citizens Trust Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Citizens Trust Bank FDIC Certificate # 8033 BankRate Report View Year Established 1921 Employees 107 Primary Regulator FED Assets and Liabilities Assets $406.84 million Loans $190.41 million Deposits $353.79 million Equity Capital $47.75 million Loan Loss Allowance $3.93 million Unbacked Noncurrent Loans $11.88 million Real Estate Owned $10.03 million Historic Data - March 2011 Assets $393.10 million Equity Capital $45.33 million Loan Loss Allowance $3.84 million Unbacked Noncurrent Loans $12.78 million Real Estate Owned $12.18 million Profit Margin - Quarterly Net Interest Margin 4.09% Return on Assets 0.16% Return on Equity 1.33% Interest Income $3.94 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 Trust Bank had $21.91 million in non-current loans and owned real-estate with $51.67 million in equity and loan loss allowances on hand to cover it. This gives Citizens Trust Bank a Texas Ratio of 42.40% 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 Trust Bank decreased slightly from 50.80% as of March 31, 2011 to 42.40% as of March 31, 2012, resulting in a positive change of 16.55%.This indicates that the balance sheet and financial strength for Citizens Trust Bank has improved slightly in recent periods. Deposit Growth In the past year, Citizens Trust Bank has increased its total deposits by $10.28 million, resulting in 2.99% 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 Trust Bank 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 Trust Bank has $406.84 million in assets with $51.67 million in equity, resulting in a capitalization level of 12.70%, which is excellent.

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