| Weiss Ratings |
Citizens Guaranty Bank
Richmond, KY |
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| Rating | ||||
| Asset Quality Index | 1.90 | |||
| Capitalization Index | 6.60 | |||
| Liquidity Index | 0.10 | |||
| Profitability Index | 6.00 | |||
| Stability Index | 5.40 | |||
| 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 | 4.60% | |||
| 5-Year Asset Growth | 7.27% | |||
| 5-Year Charge-Offs to Average Loans | 0.13% | |||
| Charge-Offs to Average Loans | 0.32% | |||
| Non-Performing Assets to Assets | 2.24% | |||
| Non-Performing Loans to Capital | 20.55% | |||
| Non-Performing Loans to Loans | 2.11% | |||
| Balance Sheet |
Citizens Guaranty Bank
Richmond, KY |
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| Total Assets | 303.59M | |||
| Total Deposits | 260.66M | |||
| Capital and Reserves |
Citizens Guaranty Bank
Richmond, KY |
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| Capital | 25.64M | |||
| Leverage Ratio | 8.65 | |||
| Loan Loss Reserves to Loans | 1.13% | |||
| Risk-Based Capital Ratio | 12.47 | |||
| Liquidity |
Citizens Guaranty Bank
Richmond, KY |
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| Hot Money Ratio | 27.33% | |||
| Liquidity Ratio | 4.76% | |||
| Profitability |
Citizens Guaranty Bank
Richmond, KY |
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| 5-Year Return on Average Assets | 1.05% | |||
| Net Income | 2.27M | |||
| Net Interest Spread | 5.40% | |||
| Operating Profit to Average Assets | 1.53% | |||
| Overhead Efficiency Ratio | 70.06% | |||
| Return on Assets | 1.52% | |||
| Return on Equity | 17.59% | |||