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 | 2.10 | |||
| 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 | 4.90% | |||
| 5-Year Asset Growth | 10.57% | |||
| 5-Year Charge-Offs to Average Loans | 0.06% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.26% | |||
| Non-Performing Loans to Capital | 1.93% | |||
| Non-Performing Loans to Loans | 0.37% | |||
| Balance Sheet |
The Citizens Bank of Swainsboro
Swainsboro, GA |
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| Total Assets | 420.47M | |||
| Total Deposits | 365.06M | |||
| Capital and Reserves |
The Citizens Bank of Swainsboro
Swainsboro, GA |
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| Capital | 50.71M | |||
| Leverage Ratio | 12.29 | |||
| Loan Loss Reserves to Loans | 1.95% | |||
| Risk-Based Capital Ratio | 20.18 | |||
| Liquidity |
The Citizens Bank of Swainsboro
Swainsboro, GA |
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| Hot Money Ratio | 20.60% | |||
| Liquidity Ratio | 23.38% | |||
| Profitability |
The Citizens Bank of Swainsboro
Swainsboro, GA |
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| 5-Year Return on Average Assets | 1.61% | |||
| Net Income | 3.83M | |||
| Net Interest Spread | 4.90% | |||
| Operating Profit to Average Assets | 2.37% | |||
| Overhead Efficiency Ratio | 51.79% | |||
| Return on Assets | 1.85% | |||
| Return on Equity | 15.53% | |||