| Weiss Ratings |
Citizens Guaranty Bank
Irvine, KY |
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| Rating | ||||
| Asset Quality Index | 2.70 | |||
| Capitalization Index | 6.10 | |||
| Liquidity Index | 0.10 | |||
| Profitability Index | 4.90 | |||
| Stability Index | 4.80 | |||
| Company Info |
Citizens Guaranty Bank
Irvine, KY |
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| FDIC Number | 20872 | |||
| Phone Number | (606) 723-2139 | |||
| Website | www.mycgb.com | |||
| Asset Quality |
Citizens Guaranty Bank
Irvine, KY |
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| 1-Year Asset Growth | 1.18% | |||
| 5-Year Asset Growth | 8.79% | |||
| 5-Year Charge-Offs to Average Loans | 0.11% | |||
| Charge-Offs to Average Loans | 0.14% | |||
| Non-Performing Assets to Assets | 1.61% | |||
| Non-Performing Loans to Capital | 17.62% | |||
| Non-Performing Loans to Loans | 1.79% | |||
| Balance Sheet |
Citizens Guaranty Bank
Irvine, KY |
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| Total Assets | 290.25M | |||
| Total Deposits | 256.64M | |||
| Capital and Reserves |
Citizens Guaranty Bank
Irvine, KY |
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| Capital | 23.15M | |||
| Leverage Ratio | 8.12 | |||
| Loan Loss Reserves to Loans | 1.17% | |||
| Risk-Based Capital Ratio | 12.28 | |||
| Liquidity |
Citizens Guaranty Bank
Irvine, KY |
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| Hot Money Ratio | 25.73% | |||
| Liquidity Ratio | 8.24% | |||
| Profitability |
Citizens Guaranty Bank
Irvine, KY |
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| 5-Year Return on Average Assets | 0.93% | |||
| Net Income | 1.78M | |||
| Net Interest Spread | 5.04% | |||
| Operating Profit to Average Assets | 1.24% | |||
| Overhead Efficiency Ratio | 75.39% | |||
| Return on Assets | 1.23% | |||
| Return on Equity | 15.49% | |||