Citizens Bank
Major Rating Factors:
A current level of 10.4 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Fair asset quality (4.4). 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 (5.7 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 7.7. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.2) profitability.
Asset Mix:
Home mtgs (42%), comm re (10%), securities (7%), comm loans (7%), cash (5%), consumer loans (5%), home eq lns (1%), other (23%)
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
No affiliate information available.