Citizens Bank & Trust Company
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.1. A current level of 0.6 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.4) profitability.
Asset Mix:
Securities (36%), home mtgs (22%), comm loans (13%), comm re (12%), cash (5%), consumer loans (2%), home eq lns (1%), other (10%)
States with Branches:
KY
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
First Bancorp, Inc.
Investment Rating
--
Address
201 East Main Street
Campbellsville, KY 42718
Campbellsville, KY 42718
Phone Number
(270) 465-8193
Year Founded
1939
FDIC Number
Website
Largest Affiliates
Russell Springs, KY
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Bank