| Weiss Ratings |
Citizens Bank & Trust Company
Covington, LA |
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| Rating | ||||
| Asset Quality Index | 3.80 | |||
| Capitalization Index | 9.50 | |||
| Liquidity Index | 1.10 | |||
| Profitability Index | 5.10 | |||
| Stability Index | 5.70 | |||
| Company Info |
Citizens Bank & Trust Company
Covington, LA |
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| FDIC Number | 16417 | |||
| Phone Number | (985) 892-3776 | |||
| Website | www.cbtbanking.com/ | |||
| Asset Quality |
Citizens Bank & Trust Company
Covington, LA |
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| 1-Year Asset Growth | -1.71% | |||
| 5-Year Asset Growth | 8.38% | |||
| 5-Year Charge-Offs to Average Loans | 0.11% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 1.24% | |||
| Non-Performing Loans to Capital | 10.66% | |||
| Non-Performing Loans to Loans | 2.67% | |||
| Balance Sheet |
Citizens Bank & Trust Company
Covington, LA |
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| Total Assets | 182.25M | |||
| Total Deposits | 161.43M | |||
| Capital and Reserves |
Citizens Bank & Trust Company
Covington, LA |
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| Capital | 18.10M | |||
| Leverage Ratio | 10.69 | |||
| Loan Loss Reserves to Loans | 1.04% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens Bank & Trust Company
Covington, LA |
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| Hot Money Ratio | 28.85% | |||
| Liquidity Ratio | 22.57% | |||
| Profitability |
Citizens Bank & Trust Company
Covington, LA |
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| 5-Year Return on Average Assets | 0.81% | |||
| Net Income | 947.00K | |||
| Net Interest Spread | 4.04% | |||
| Operating Profit to Average Assets | 1.34% | |||
| Overhead Efficiency Ratio | 67.05% | |||
| Return on Assets | 1.04% | |||
| Return on Equity | 10.93% | |||