Citizens Bank
Major Rating Factors:
A current level of 9.0 percent of nonperforming loans to core capital combined with 10.5 percent from a year earlier contributes to the Fair asset quality (4.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 8.1. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.9) profitability.
Asset Mix:
Home mtgs (44%), comm re (11%), comm loans (7%), securities (5%), cash (4%), consumer loans (4%), home eq lns (1%), other (24%)
States with Branches:
KY
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
Rockcastle Bancorp, Inc.
Investment Rating
--
Address
411 Dysart Way
Mount Vernon, KY 40456
Mount Vernon, KY 40456
Phone Number
(606) 256-2500
Year Founded
1904
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.