| Weiss Ratings |
Citizens Bank & Trust Company
Covington, LA |
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| Rating | ||||
| Asset Quality Index | 2.30 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.20 | |||
| Profitability Index | 4.80 | |||
| Stability Index | 6.00 | |||
| 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 | 0.14% | |||
| 5-Year Asset Growth | 3.72% | |||
| 5-Year Charge-Offs to Average Loans | 0.11% | |||
| Charge-Offs to Average Loans | 0.17% | |||
| Non-Performing Assets to Assets | 3.35% | |||
| Non-Performing Loans to Capital | 27.21% | |||
| Non-Performing Loans to Loans | 7.31% | |||
| Balance Sheet |
Citizens Bank & Trust Company
Covington, LA |
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| Total Assets | 175.88M | |||
| Total Deposits | 155.02M | |||
| Capital and Reserves |
Citizens Bank & Trust Company
Covington, LA |
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| Capital | 18.96M | |||
| Leverage Ratio | 11.39 | |||
| Loan Loss Reserves to Loans | 1.12% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens Bank & Trust Company
Covington, LA |
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| Hot Money Ratio | 31.81% | |||
| Liquidity Ratio | 25.39% | |||
| Profitability |
Citizens Bank & Trust Company
Covington, LA |
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| 5-Year Return on Average Assets | 0.81% | |||
| Net Income | 1.72M | |||
| Net Interest Spread | 4.03% | |||
| Operating Profit to Average Assets | 1.21% | |||
| Overhead Efficiency Ratio | 67.23% | |||
| Return on Assets | 0.96% | |||
| Return on Equity | 9.60% | |||