The Citizens Bank
Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.7. A current level of 2.3 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 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 (4.8) profitability.
Asset Mix:
Home mtgs (24%), comm re (18%), securities (16%), comm loans (10%), cash (10%), home eq lns (6%), consumer loans (1%), other (15%)
States with Branches:
AL
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
Enterprise Capital Corporation, Inc.
Investment Rating
--
Address
301 South Edwards Street
Enterprise, AL 36330
Enterprise, AL 36330
Phone Number
(334) 347-3411
Year Founded
1946
FDIC Number
Website
Largest Affiliates
No affiliate information available.