The Citizens Bank of Edmond

The Citizens Bank of Edmond is headquartered in Edmond and is the 42^nd largest bank in the state of Oklahoma. It is also the 2,406^th largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 77 employees at 6 locations. The Citizens Bank of Edmond has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Citizens Bank of Edmond FDIC Certificate # 4084 BankRate Report View Year Established 1912 Employees 77 Primary Regulator FED Assets and Liabilities Assets $267.81 million Loans $136.77 million Deposits $241.57 million Equity Capital $21.76 million Loan Loss Allowance $3.20 million Unbacked Noncurrent Loans $487,000 Real Estate Owned $3.00 million Historic Data - March 2011 Assets $265.53 million Equity Capital $19.35 million Loan Loss Allowance $3.90 million Unbacked Noncurrent Loans $4.03 million Real Estate Owned $6.35 million Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 0.55% Return on Equity 6.65% Interest Income $2.58 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 The Citizens Bank of Edmond had $3.48 million in non-current loans and owned real-estate with $24.95 million in equity and loan loss allowances on hand to cover it. This gives The Citizens Bank of Edmond a Texas Ratio of 13.95% 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 The Citizens Bank of Edmond decreased significantly from 44.64% as of March 31, 2011 to 13.95% as of March 31, 2012, resulting in a positive change of 68.74%.This indicates that the balance sheet and financial strength for The Citizens Bank of Edmond has improved significantly in recent periods. Deposit Growth In the past year, The Citizens Bank of Edmond has increased its total deposits by $4.03 million, resulting in 1.7% 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 Edmond 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. The Citizens Bank of Edmond has $267.81 million in assets with $24.95 million in equity, resulting in a capitalization level of 9.32%, which is average.

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