The Citizens Bank of Swainsboro
| Weiss Ratings |
The Citizens Bank of Swainsboro
Swainsboro, GA |
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| Rating | ||||
| Asset Quality Index | 8.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.30 | |||
| Profitability Index | 10.00 | |||
| Stability Index | 5.70 | |||
| Company Info |
The Citizens Bank of Swainsboro
Swainsboro, GA |
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| FDIC Number | 11295 | |||
| Phone Number | (478) 237-7001 | |||
| Website | cbs-lc.com | |||
| Asset Quality |
The Citizens Bank of Swainsboro
Swainsboro, GA |
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| 1-Year Asset Growth | 6.20% | |||
| 5-Year Asset Growth | 10.57% | |||
| 5-Year Charge-Offs to Average Loans | 0.09% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 0.10% | |||
| Non-Performing Loans to Capital | 0.68% | |||
| Non-Performing Loans to Loans | 0.14% | |||
| Balance Sheet |
The Citizens Bank of Swainsboro
Swainsboro, GA |
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| Total Assets | 412.94M | |||
| Total Deposits | 359.95M | |||
| Capital and Reserves |
The Citizens Bank of Swainsboro
Swainsboro, GA |
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| Capital | 48.77M | |||
| Leverage Ratio | 12.01 | |||
| Loan Loss Reserves to Loans | 1.91% | |||
| Risk-Based Capital Ratio | 19.93 | |||
| Liquidity |
The Citizens Bank of Swainsboro
Swainsboro, GA |
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| Hot Money Ratio | 20.83% | |||
| Liquidity Ratio | 23.81% | |||
| Profitability |
The Citizens Bank of Swainsboro
Swainsboro, GA |
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| 5-Year Return on Average Assets | 1.46% | |||
| Net Income | 7.64M | |||
| Net Interest Spread | 5.06% | |||
| Operating Profit to Average Assets | 2.43% | |||
| Overhead Efficiency Ratio | 52.15% | |||
| Return on Assets | 1.92% | |||
| Return on Equity | 17.16% | |||