| Weiss Ratings |
Citizens Bank and Trust, Inc.
Trenton, GA |
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| Rating | ||||
| Asset Quality Index | 8.30 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.90 | |||
| Profitability Index | 9.10 | |||
| Stability Index | 6.30 | |||
| Company Info |
Citizens Bank and Trust, Inc.
Trenton, GA |
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| FDIC Number | 27153 | |||
| Phone Number | (706) 657-5678 | |||
| Website | www.trustcbt.com | |||
| Asset Quality |
Citizens Bank and Trust, Inc.
Trenton, GA |
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| 1-Year Asset Growth | 3.36% | |||
| 5-Year Asset Growth | 4.98% | |||
| 5-Year Charge-Offs to Average Loans | 0.08% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.04% | |||
| Non-Performing Loans to Capital | 0.43% | |||
| Non-Performing Loans to Loans | 0.07% | |||
| Balance Sheet |
Citizens Bank and Trust, Inc.
Trenton, GA |
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| Total Assets | 129.58M | |||
| Total Deposits | 115.29M | |||
| Capital and Reserves |
Citizens Bank and Trust, Inc.
Trenton, GA |
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| Capital | 13.75M | |||
| Leverage Ratio | 11.91 | |||
| Loan Loss Reserves to Loans | 1.64% | |||
| Risk-Based Capital Ratio | 22.64 | |||
| Liquidity |
Citizens Bank and Trust, Inc.
Trenton, GA |
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| Hot Money Ratio | 10.27% | |||
| Liquidity Ratio | 29.60% | |||
| Profitability |
Citizens Bank and Trust, Inc.
Trenton, GA |
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| 5-Year Return on Average Assets | 1.27% | |||
| Net Income | 1.12M | |||
| Net Interest Spread | 5.08% | |||
| Operating Profit to Average Assets | 2.25% | |||
| Overhead Efficiency Ratio | 59.09% | |||
| Return on Assets | 1.71% | |||
| Return on Equity | 17.06% | |||