The Citizens Bank
Major Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (8.0). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 19.0 and a capital leverage ratio of 9.2.
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Good (6.3) profitability. Fair liquidity 4.2, driven by a liquidity ratio of 34.9 percent and a “hot money” ratio of 7.4 percent.
Asset Mix:
Securities (47%), home mtgs (14%), comm re (14%), cash (6%), comm loans (6%), home eq lns (1%), consumer loans (0%), other (12%)
States with Branches:
NM
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 Bankshares, Inc.
Investment Rating
--
Address
500 West Broadway
Farmington, NM 87401
Farmington, NM 87401
Phone Number
(505) 599-0100
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.