Citizens' Bank, Inc.
Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A current level of 0.9 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (8.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (3.6) profitability.
Asset Mix:
Securities (39%), home mtgs (16%), comm re (16%), cash (5%), comm loans (4%), home eq lns (4%), consumer loans (4%), other (12%)
States with Branches:
AL
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' Capital Corporation
Investment Rating
--
Address
21980 Palmer Street
Robertsdale, AL 36567
Robertsdale, AL 36567
Phone Number
(251) 947-1981
Year Founded
1981
FDIC Number
Website
Largest Affiliates
No affiliate information available.