| Weiss Ratings |
Citizens Bank & Trust Company
Covington, LA |
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| Rating | ||||
| Asset Quality Index | 4.10 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.90 | |||
| Profitability Index | 4.80 | |||
| Stability Index | 5.60 | |||
| 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 | -6.67% | |||
| 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 | 2.15% | |||
| Non-Performing Loans to Capital | 17.38% | |||
| Non-Performing Loans to Loans | 5.56% | |||
| Balance Sheet |
Citizens Bank & Trust Company
Covington, LA |
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| Total Assets | 174.75M | |||
| Total Deposits | 153.80M | |||
| Capital and Reserves |
Citizens Bank & Trust Company
Covington, LA |
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| Capital | 18.68M | |||
| Leverage Ratio | 11.25 | |||
| Loan Loss Reserves to Loans | 1.18% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens Bank & Trust Company
Covington, LA |
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| Hot Money Ratio | 31.14% | |||
| Liquidity Ratio | 22.52% | |||
| Profitability |
Citizens Bank & Trust Company
Covington, LA |
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| 5-Year Return on Average Assets | 0.81% | |||
| Net Income | 1.32M | |||
| Net Interest Spread | 4.05% | |||
| Operating Profit to Average Assets | 1.23% | |||
| Overhead Efficiency Ratio | 67.80% | |||
| Return on Assets | 0.97% | |||
| Return on Equity | 9.92% | |||