Citizens Bank & Trust | Financial Information

BIG TIMBER - HARLOWTON - RYEGATE

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WARNING: Sometimes unscrupulous people attempt to get personal or private financial information from our customers by claiming to be Citizens Bank or even a government agency. We urge you to be extremely careful. Please know that this Bank will NOT ask for any personal or private information over the telephone or internet. We will never ask you to send personal or confidential information via email.

FINANCIAL INFORMATION

We believe our bank has the financial strength to serve our community and to withstand a severe recession. We invite you to examine the following “Statement of Condition” information and reach your own conclusion.

As of close of business on December 31, 2012:

RESOURCES
Cash and Due form Banks	$ 26,636,000
Investment Securities	$ 28,009,000
Federal Funds Sold	$1,050,000
Loans and Discounts	$ 52,690,000
Premises and Fixed Assets	$ 924,000
Other assets	$ 4,829,000
Total Resources	$114,138,000

LIABILITIES & CAPITAL
Non-Interest Bearing Deposits	$23,027,000
Interest Bearing Deposits	$77,113,000
Federal Funds Purchased and Repurchase Agreements	$ 2,137,000
Other Liabilities	$ 302,000
Total Liabilities	$102,579,000

Common Stock	$ 1,300,000
Surplus	$ 7,300,000
Undivided Profits	$ 2,959,000
Total Capital	$11,559,000

Total Capital and Liabilities	$114,138,000

We are a member of the Federal Reserve Bank and the Federal Deposit Insurance Corporation. For internal auditors, we contract with the EideBailly LLP. Their accountants visit us on a quarterly basis. We are examined periodically by the Federal Reserve Bank and the Montana Division of Banking and Financial Institutions.

For more detailed financial information you can access the call report that we file with FDIC each quarter through the FDIC website.

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