The Citizens National Bank of Hillsboro

The Citizens National Bank of Hillsboro is headquartered in Hillsboro and is the 257^th largest bank in the state of Texas. It is also the 3,251^st largest bank in the nation. It was established in 1893 and as of March of 2012, it had grown to 30 employees at 2 locations. The Citizens National Bank of Hillsboro's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

The Citizens National Bank of Hillsboro Checking Account Rates

The Citizens National Bank of Hillsboro Savings Account Rates

The Citizens National Bank of Hillsboro Money Market Rates

The Citizens National Bank of Hillsboro CD Rates

Data for Q1 2012

Institution Statistics The Citizens National Bank of Hillsboro FDIC Certificate # 3255 BankRate Report View Year Established 1893 Employees 30 Primary Regulator OCC Assets and Liabilities Assets $189.83 million Loans $25.58 million Deposits $126.04 million Equity Capital $22.07 million Loan Loss Allowance $375,000 Unbacked Noncurrent Loans $105,000 Historic Data - March 2011 Assets $168.36 million Equity Capital $19.83 million Loan Loss Allowance $361,000 Unbacked Noncurrent Loans $80,000 Profit Margin - Quarterly Net Interest Margin 2.08% Return on Assets 1.02% Return on Equity 8.93% Interest Income $1.40 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 National Bank of Hillsboro had $105,000 in non-current loans and owned real-estate with $22.44 million in equity and loan loss allowances on hand to cover it. This gives The Citizens National Bank of Hillsboro a Texas Ratio of 0.47% 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 National Bank of Hillsboro held steady from 0.40% as of March 31, 2011 to 0.47% as of March 31, 2012, resulting in a negative change of 18.09%. This indicates that the balance sheet and financial strength for The Citizens National Bank of Hillsboro has held steady in recent periods. Deposit Growth In the past year, The Citizens National Bank of Hillsboro has increased its total deposits by $8.98 million, resulting in 7.67% 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 National Bank of Hillsboro 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 National Bank of Hillsboro has $189.83 million in assets with $22.44 million in equity, resulting in a capitalization level of 11.82%, which is above average.

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