Citizens' Bank of Charleston
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 3.4 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (7.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 19.2. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.0 has resulted in Excellent (10.0) profitability.
Asset Mix:
Comm loans (13%), consumer loans (10%), home mtgs (10%), cash (9%), securities (8%), comm re (4%), other (46%)
States with Branches:
MO
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
Citizens Bancorp, Inc
Investment Rating
--
Address
207 East Commercial Street
Charleston, MO 63834
Charleston, MO 63834
Phone Number
(573) 683-3373
Year Founded
1958
FDIC Number
Website
Largest Affiliates
No affiliate information available.