The Citizens Exchange Bank (GA)

The Citizens Exchange Bank (GA) is headquartered in Pearson and is the 229^th largest bank in the state of Georgia. It is also the 6,942^nd largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 9 employees at 1 location. The Citizens Exchange Bank (GA) has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Citizens Exchange Bank FDIC Certificate # 16283 BankRate Report View Year Established 1934 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $30.12 million Loans $10.38 million Deposits $27.59 million Equity Capital $2.47 million Loan Loss Allowance $278,000 Unbacked Noncurrent Loans $1.30 million Real Estate Owned $1.01 million Historic Data - March 2011 Assets $29.15 million Equity Capital $2.89 million Loan Loss Allowance $250,000 Unbacked Noncurrent Loans $2.13 million Real Estate Owned $1.69 million Profit Margin - Quarterly Net Interest Margin 3.44% Return on Assets -3.69% Return on Equity -40.7% Interest Income $213,000

Institution Health Overall Score: 3 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 Exchange Bank (GA) had $2.31 million in non-current loans and owned real-estate with $2.74 million in equity and loan loss allowances on hand to cover it. This gives The Citizens Exchange Bank (GA) a Texas Ratio of 84.32% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Citizens Exchange Bank (GA) decreased slightly from 121.60% as of March 31, 2011 to 84.32% as of March 31, 2012, resulting in a positive change of 30.65%.This indicates that the balance sheet and financial strength for The Citizens Exchange Bank (GA) has improved slightly in recent periods. Deposit Growth In the past year, The Citizens Exchange Bank (GA) has increased its total deposits by $1.41 million, resulting in 5.4% 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 Exchange Bank (GA) 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 Exchange Bank (GA) has $30.12 million in assets with $2.74 million in equity, resulting in a capitalization level of 9.11%, which is average.

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