The Citizens Bank of Fayette

The Citizens Bank of Fayette is headquartered in Fayette and is the 57^th largest bank in the state of Alabama. It is also the 3,173^rd largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 32 employees at 2 locations. The Citizens Bank of Fayette has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Citizens Bank of Fayette FDIC Certificate # 5600 BankRate Report View Year Established 1913 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $196.21 million Loans $68.57 million Deposits $157.84 million Equity Capital $36.05 million Loan Loss Allowance $2.50 million Unbacked Noncurrent Loans $4.20 million Real Estate Owned $3.56 million Historic Data - March 2011 Assets $187.21 million Equity Capital $35.98 million Loan Loss Allowance $4.52 million Unbacked Noncurrent Loans $5.61 million Real Estate Owned $2.99 million Profit Margin - Quarterly Net Interest Margin 2.66% Return on Assets 1.14% Return on Equity 6.05% Interest Income $1.49 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 Fayette had $7.76 million in non-current loans and owned real-estate with $38.56 million in equity and loan loss allowances on hand to cover it. This gives The Citizens Bank of Fayette a Texas Ratio of 20.14% 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 The Citizens Bank of Fayette held steady from 21.24% as of March 31, 2011 to 20.14% as of March 31, 2012, resulting in a positive change of 5.17%.This indicates that the balance sheet and financial strength for The Citizens Bank of Fayette has held steady in recent periods. Deposit Growth In the past year, The Citizens Bank of Fayette has increased its total deposits by $8.78 million, resulting in 5.89% 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 Fayette 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 Fayette has $196.21 million in assets with $38.56 million in equity, resulting in a capitalization level of 19.65%, which is excellent.

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