| Weiss Ratings |
Citizens Bank & Trust Company
Covington, LA |
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| Rating | ||||
| Asset Quality Index | 3.00 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 1.10 | |||
| 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 | 0.80% | |||
| 5-Year Asset Growth | 3.72% | |||
| 5-Year Charge-Offs to Average Loans | 0.15% | |||
| Charge-Offs to Average Loans | 0.21% | |||
| Non-Performing Assets to Assets | 2.94% | |||
| Non-Performing Loans to Capital | 21.00% | |||
| Non-Performing Loans to Loans | 7.15% | |||
| Balance Sheet |
Citizens Bank & Trust Company
Covington, LA |
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| Total Assets | 183.71M | |||
| Total Deposits | 162.23M | |||
| Capital and Reserves |
Citizens Bank & Trust Company
Covington, LA |
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| Capital | 19.49M | |||
| Leverage Ratio | 11.14 | |||
| Loan Loss Reserves to Loans | 1.35% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens Bank & Trust Company
Covington, LA |
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| Hot Money Ratio | 29.19% | |||
| Liquidity Ratio | 35.13% | |||
| Profitability |
Citizens Bank & Trust Company
Covington, LA |
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| 5-Year Return on Average Assets | 0.87% | |||
| Net Income | 576.00K | |||
| Net Interest Spread | 3.69% | |||
| Operating Profit to Average Assets | 0.78% | |||
| Overhead Efficiency Ratio | 73.52% | |||
| Return on Assets | 0.63% | |||
| Return on Equity | 5.98% | |||