The Citizens Bank of Swainsboro

The Citizens Bank of Swainsboro is headquartered in Swainsboro and is the 125^th largest bank in the state of Georgia. It is also the 4,003^rd largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 39 employees at 2 locations. The Citizens Bank of Swainsboro has a 4-star health rating.

The Citizens Bank of Swainsboro Routing Number: 061203558

Data for Q1 2012

Institution Statistics The Citizens Bank of Swainsboro FDIC Certificate # 11295 BankRate Report View Year Established 1900 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $142.98 million Loans $98.23 million Deposits $128.82 million Equity Capital $13.10 million Loan Loss Allowance $2.84 million Unbacked Noncurrent Loans $3.11 million Real Estate Owned $153,000 Historic Data - March 2011 Assets $140.65 million Equity Capital $12.30 million Loan Loss Allowance $2.13 million Unbacked Noncurrent Loans $2.54 million Real Estate Owned $285,000 Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 0.78% Return on Equity 8.66% Interest Income $1.70 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 Swainsboro had $3.26 million in non-current loans and owned real-estate with $15.94 million in equity and loan loss allowances on hand to cover it. This gives The Citizens Bank of Swainsboro a Texas Ratio of 20.49% 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 Swainsboro held steady from 19.56% as of March 31, 2011 to 20.49% as of March 31, 2012, resulting in a negative change of 4.73%. This indicates that the balance sheet and financial strength for The Citizens Bank of Swainsboro has held steady in recent periods. Deposit Growth In the past year, The Citizens Bank of Swainsboro has increased its total deposits by $1.7 million, resulting in 1.34% 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 Swainsboro 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 Swainsboro has $142.98 million in assets with $15.94 million in equity, resulting in a capitalization level of 11.15%, which is above average.

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