The Citizens Bank of Clovis

The Citizens Bank of Clovis is headquartered in Clovis and is the 13^st largest bank in the state of New Mexico. It is also the 2,189^th largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 60 employees at 5 locations. The Citizens Bank of Clovis' savings rates are 94% higher than the national average, and it boasts a 5-star health rating.

The Citizens Bank of Clovis Checking Account Rates

The Citizens Bank of Clovis Savings Account Rates

The Citizens Bank of Clovis Money Market Rates

The Citizens Bank of Clovis CD Rates

Data for Q1 2012

Institution Statistics The Citizens Bank of Clovis FDIC Certificate # 11491 BankRate Report View Year Established 1916 Employees 60 Primary Regulator FDIC Assets and Liabilities Assets $298.81 million Loans $114.10 million Deposits $249.73 million Equity Capital $36.55 million Loan Loss Allowance $1.48 million Unbacked Noncurrent Loans $56,000 Historic Data - March 2011 Assets $286.73 million Equity Capital $32.73 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $47,000 Profit Margin - Quarterly Net Interest Margin 3.23% Return on Assets 1.82% Return on Equity 14.2% Interest Income $2.74 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 The Citizens Bank of Clovis had $56,000 in non-current loans and owned real-estate with $38.03 million in equity and loan loss allowances on hand to cover it. This gives The Citizens Bank of Clovis a Texas Ratio of 0.15% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Citizens Bank of Clovis held steady from 0.14% as of March 31, 2011 to 0.15% as of March 31, 2012, resulting in a negative change of 7.07%. This indicates that the balance sheet and financial strength for The Citizens Bank of Clovis has held steady in recent periods. Deposit Growth In the past year, The Citizens Bank of Clovis has increased its total deposits by $12.86 million, resulting in 5.43% 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 The Citizens Bank of Clovis 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. The Citizens Bank of Clovis has $298.81 million in assets with $38.03 million in equity, resulting in a capitalization level of 12.73%, which is excellent.

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