Citizens State Bank of New Castle
Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.3) profitability. Good current capitalization (5.3 on a scale of 0 to 10) based on a risk-based capital ratio of 17.4 and a capital leverage ratio of 10.4.
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (7.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Asset Mix:
Securities (28%), comm re (16%), home mtgs (16%), comm loans (8%), consumer loans (7%), cash (6%), home eq lns (2%), other (16%)
States with Branches:
IN
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
Town Financial Corporation
Investment Rating
--
Address
1238 Broad Street
New Castle, IN 47362
New Castle, IN 47362
Phone Number
(765) 529-5450
Year Founded
1873
FDIC Number
Website
Largest Affiliates
No affiliate information available.