Citizens Savings Bank
Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.7). Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 9.5.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (5.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Cash (19%), home mtgs (12%), comm re (8%), securities (8%), comm loans (6%), consumer loans (1%), other (46%)
States with Branches:
IA
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
Gilman Investment Co.
Investment Rating
--
Address
110 West Southridge Road
Marshalltown, IA 50158
Marshalltown, IA 50158
Phone Number
(641) 844-1441
Year Founded
1907
FDIC Number
Largest Affiliates
No affiliate information available.