Citizens Bank & Trust Co., Hutchinson, Minn.
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital combined with 6.7 percent from a year earlier contributes to the Excellent asset quality (7.4). Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 8.1.
Asset Mix:
Securities (41%), home mtgs (14%), comm re (12%), comm loans (10%), home eq lns (4%), consumer loans (2%), cash (1%), other (16%)
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
No affiliate information available.