| 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 | 2.80 | |||
| Profitability Index | 9.30 | |||
| 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 | -0.79% | |||
| 5-Year Asset Growth | 2.52% | |||
| 5-Year Charge-Offs to Average Loans | 0.08% | |||
| Charge-Offs to Average Loans | 0.06% | |||
| Non-Performing Assets to Assets | 0.18% | |||
| Non-Performing Loans to Capital | 1.19% | |||
| Non-Performing Loans to Loans | 0.29% | |||
| Balance Sheet |
Citizens Bank and Trust, Inc.
Trenton, GA |
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| Total Assets | 130.34M | |||
| Total Deposits | 114.50M | |||
| Capital and Reserves |
Citizens Bank and Trust, Inc.
Trenton, GA |
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| Capital | 15.30M | |||
| Leverage Ratio | 12.80 | |||
| Loan Loss Reserves to Loans | 1.67% | |||
| Risk-Based Capital Ratio | 23.59 | |||
| Liquidity |
Citizens Bank and Trust, Inc.
Trenton, GA |
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| Hot Money Ratio | 10.88% | |||
| Liquidity Ratio | 28.61% | |||
| Profitability |
Citizens Bank and Trust, Inc.
Trenton, GA |
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| 5-Year Return on Average Assets | 1.27% | |||
| Net Income | 2.22M | |||
| Net Interest Spread | 5.22% | |||
| Operating Profit to Average Assets | 2.26% | |||
| Overhead Efficiency Ratio | 59.08% | |||
| Return on Assets | 1.70% | |||
| Return on Equity | 16.05% | |||