Citizens' Bank, Inc.
| Weiss Ratings |
Citizens' Bank, Inc.
Robertsdale, AL |
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| Rating | ||||
| Asset Quality Index | 8.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.50 | |||
| Profitability Index | 4.50 | |||
| Stability Index | 5.30 | |||
| Company Info |
Citizens' Bank, Inc.
Robertsdale, AL |
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| FDIC Number | 23523 | |||
| Phone Number | (251) 947-1981 | |||
| Website | www.citizensbankal.com | |||
| Asset Quality |
Citizens' Bank, Inc.
Robertsdale, AL |
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| 1-Year Asset Growth | 1.66% | |||
| 5-Year Asset Growth | 3.95% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.07% | |||
| Non-Performing Loans to Capital | 0.63% | |||
| Non-Performing Loans to Loans | 0.14% | |||
| Balance Sheet |
Citizens' Bank, Inc.
Robertsdale, AL |
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| Total Assets | 158.86M | |||
| Total Deposits | 143.07M | |||
| Capital and Reserves |
Citizens' Bank, Inc.
Robertsdale, AL |
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| Capital | 15.04M | |||
| Leverage Ratio | 11.00 | |||
| Loan Loss Reserves to Loans | 1.11% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens' Bank, Inc.
Robertsdale, AL |
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| Hot Money Ratio | 12.03% | |||
| Liquidity Ratio | 42.22% | |||
| Profitability |
Citizens' Bank, Inc.
Robertsdale, AL |
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| 5-Year Return on Average Assets | 0.74% | |||
| Net Income | 915.00K | |||
| Net Interest Spread | 3.84% | |||
| Operating Profit to Average Assets | 1.21% | |||
| Overhead Efficiency Ratio | 66.05% | |||
| Return on Assets | 1.14% | |||
| Return on Equity | 12.60% | |||