The Citizens Bank of Winfield

The Citizens Bank of Winfield is headquartered in Winfield and is the 46^th largest bank in the state of Alabama. It is also the 2,909^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 28 employees at 1 location. The Citizens Bank of Winfield has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Citizens Bank of Winfield FDIC Certificate # 52 BankRate Report View Year Established 1920 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $219.01 million Loans $34.65 million Deposits $129.69 million Equity Capital $45.50 million Loan Loss Allowance $1.79 million Unbacked Noncurrent Loans $591,000 Real Estate Owned $1.46 million Historic Data - March 2011 Assets $213.27 million Equity Capital $35.76 million Loan Loss Allowance $1.71 million Unbacked Noncurrent Loans $2.16 million Real Estate Owned $458,000 Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets 1.48% Return on Equity 7.16% Interest Income $2.50 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 Winfield had $2.05 million in non-current loans and owned real-estate with $47.29 million in equity and loan loss allowances on hand to cover it. This gives The Citizens Bank of Winfield a Texas Ratio of 4.33% 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 Winfield decreased slightly from 6.98% as of March 31, 2011 to 4.33% as of March 31, 2012, resulting in a positive change of 37.94%.This indicates that the balance sheet and financial strength for The Citizens Bank of Winfield has improved slightly in recent periods. Deposit Growth In the past year, The Citizens Bank of Winfield has decreased its total deposits by -$6.03 million, resulting in -4.44% 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 Winfield has shown is below 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 Winfield has $219.01 million in assets with $47.29 million in equity, resulting in a capitalization level of 21.59%, which is excellent.

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