The Citizens Bank of Philadelphia
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Weak (2.6) profitability. Fair current capitalization (3.5 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 8.3.
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 18.9 percent and a “hot money” ratio of 13.4 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Asset Mix:
Securities (30%), comm re (24%), cash (11%), home mtgs (7%), comm loans (4%), consumer loans (1%), home eq lns (1%), other (21%)
States with Branches:
MS
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 Holding Company
Investment Rating
Address
521 Main Street
Philadelphia, MS 39350
Philadelphia, MS 39350
Phone Number
(601) 656-4692
Year Founded
1908
FDIC Number
Largest Affiliates
No affiliate information available.