Citizens Bank and Trust Company
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (4.1) profitability. A current level of 12.0 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Fair asset quality (4.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 11.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (33%), home mtgs (17%), securities (15%), comm loans (9%), home eq lns (4%), cash (3%), consumer loans (1%), other (19%)
States with Branches:
LA
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 Bancorporation, Inc.
Investment Rating
--
Address
57910 Main Street
Plaquemine, LA 70764
Plaquemine, LA 70764
Phone Number
(225) 687-1916
Year Founded
1916
FDIC Number
Largest Affiliates
No affiliate information available.