Citizens Bank & Trust Co., Hutchinson, Minn.
Major Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Excellent asset quality (8.9). Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 8.6.
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.3) profitability. Fair liquidity 3.9, driven by a liquidity ratio of 23.3 percent and a “hot money” ratio of 9.2 percent.
Asset Mix:
Securities (39%), home mtgs (15%), comm re (12%), comm loans (11%), home eq lns (5%), cash (1%), consumer loans (1%), other (17%)
States with Branches:
MN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Citizens Bancshares of Hutchinson, Inc.
Investment Rating
--
Address
102 Main Street, South
Hutchinson, MN 55350
Hutchinson, MN 55350
Phone Number
(320) 587-2233
Year Founded
1886
FDIC Number
Website
Largest Affiliates
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