The Citizens Banking Company

The Citizens Banking Company is headquartered in Sandusky and is the 19^st largest bank in the state of Ohio. It is also the 583^rd largest bank in the nation. It was established in 1884 and as of March of 2012, it had grown to 301 employees at 28 locations. The Citizens Banking Company has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Citizens Banking Company FDIC Certificate # 12982 BankRate Report View Year Established 1884 Employees 301 Primary Regulator FED Assets and Liabilities Assets $1.13 billion Loans $742.48 million Deposits $925.85 million Equity Capital $114.38 million Loan Loss Allowance $22.02 million Unbacked Noncurrent Loans $27.07 million Real Estate Owned $840,000 Historic Data - March 2011 Assets $1.12 billion Equity Capital $107.53 million Loan Loss Allowance $23.66 million Unbacked Noncurrent Loans $27.95 million Real Estate Owned $1.83 million Profit Margin - Quarterly Net Interest Margin 4.22% Return on Assets 0.61% Return on Equity 5.97% Interest Income $12.12 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 Banking Company had $27.91 million in non-current loans and owned real-estate with $136.4 million in equity and loan loss allowances on hand to cover it. This gives The Citizens Banking Company a Texas Ratio of 20.46% 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 Banking Company held steady from 22.34% as of March 31, 2011 to 20.46% as of March 31, 2012, resulting in a positive change of 8.39%.This indicates that the balance sheet and financial strength for The Citizens Banking Company has held steady in recent periods. Deposit Growth In the past year, The Citizens Banking Company has increased its total deposits by $10.22 million, resulting in 1.12% 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 Banking Company 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 Banking Company has $1.13 billion in assets with $136.4 million in equity, resulting in a capitalization level of 12.08%, which is excellent.

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