The Citizens State Bank of Taylor County

The Citizens State Bank of Taylor County is headquartered in Reynolds and is the 222^nd largest bank in the state of Georgia. It is also the 6,616^st largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 11 employees at 1 location. The Citizens State Bank of Taylor County has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Citizens State Bank of Taylor County FDIC Certificate # 884 BankRate Report View Year Established 1922 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $41.79 million Loans $20.92 million Deposits $35.90 million Equity Capital $5.68 million Loan Loss Allowance $672,000 Unbacked Noncurrent Loans $335,000 Real Estate Owned $329,000 Historic Data - March 2011 Assets $43.28 million Equity Capital $5.22 million Loan Loss Allowance $426,000 Unbacked Noncurrent Loans $685,000 Real Estate Owned $335,000 Profit Margin - Quarterly Net Interest Margin 4.78% Return on Assets 0.87% Return on Equity 6.41% Interest Income $512,000

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 State Bank of Taylor County had $664,000 in non-current loans and owned real-estate with $6.35 million in equity and loan loss allowances on hand to cover it. This gives The Citizens State Bank of Taylor County a Texas Ratio of 10.46% which is above 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 State Bank of Taylor County decreased significantly from 18.05% as of March 31, 2011 to 10.46% as of March 31, 2012, resulting in a positive change of 42.07%.This indicates that the balance sheet and financial strength for The Citizens State Bank of Taylor County has improved significantly in recent periods. Deposit Growth In the past year, The Citizens State Bank of Taylor County has decreased its total deposits by -$1.83 million, resulting in -4.86% 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 State Bank of Taylor County 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 State Bank of Taylor County has $41.79 million in assets with $6.35 million in equity, resulting in a capitalization level of 15.19%, which is excellent.

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