| Weiss Ratings |
Citizens Guaranty Bank
Richmond, KY |
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| Rating | ||||
| Asset Quality Index | 1.50 | |||
| Capitalization Index | 6.60 | |||
| Liquidity Index | 0.10 | |||
| Profitability Index | 5.80 | |||
| Stability Index | 5.00 | |||
| Company Info |
Citizens Guaranty Bank
Richmond, KY |
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| FDIC Number | 20872 | |||
| Phone Number | (606) 723-2139 | |||
| Website | www.mycgb.com | |||
| Asset Quality |
Citizens Guaranty Bank
Richmond, KY |
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| 1-Year Asset Growth | 5.40% | |||
| 5-Year Asset Growth | 7.27% | |||
| 5-Year Charge-Offs to Average Loans | 0.11% | |||
| Charge-Offs to Average Loans | 0.15% | |||
| Non-Performing Assets to Assets | 2.26% | |||
| Non-Performing Loans to Capital | 23.82% | |||
| Non-Performing Loans to Loans | 2.49% | |||
| Balance Sheet |
Citizens Guaranty Bank
Richmond, KY |
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| Total Assets | 299.76M | |||
| Total Deposits | 260.22M | |||
| Capital and Reserves |
Citizens Guaranty Bank
Richmond, KY |
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| Capital | 25.04M | |||
| Leverage Ratio | 8.62 | |||
| Loan Loss Reserves to Loans | 1.17% | |||
| Risk-Based Capital Ratio | 12.61 | |||
| Liquidity |
Citizens Guaranty Bank
Richmond, KY |
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| Hot Money Ratio | 26.47% | |||
| Liquidity Ratio | 7.36% | |||
| Profitability |
Citizens Guaranty Bank
Richmond, KY |
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| 5-Year Return on Average Assets | 0.93% | |||
| Net Income | 4.01M | |||
| Net Interest Spread | 5.21% | |||
| Operating Profit to Average Assets | 1.39% | |||
| Overhead Efficiency Ratio | 72.13% | |||
| Return on Assets | 1.38% | |||
| Return on Equity | 17.06% | |||