A
Citizens First Bank
The Villages, FL
Data as of
June 30, 2021
Risk Based
Capital Ratio
16.46
Leverage
Ratio
10.56
Return On
Assets
1.67%
Total
Assets
3.61B
Capital
408.63M
Total
Deposits
2.98B
Net
Income
27.38M
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10). A current level of 0.2 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (9.6).
Other Rating Factors: Excellent current capitalization (9.3 on a scale of 0 to 10) based on a risk-based capital ratio of 16.5 and a capital leverage ratio of 10.6. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (8.1) profitability.
Asset Mix: Securities (67%), comm loans (10%), home mtgs (6%), comm re (5%), home eq lns (2%), cash (1%), consumer loans (0%), other (8%)
States with Branches: FL
Asset Quality
Non-Performing Loans to Capital
0.21%
Non-Performing Assets to Assets
0.02%
Non-Performing Loans to Loans
0.08%
Loan Loss Reserves to Loans
1.61%
Charge-Offs to Average Loans
-0.01%
5-Year Charge-Offs to Average Loans
-0.02%
5-Year Asset Growth
13.30%
1-Year Asset Growth
31.42%
Profitability
Operating Profit to Average Assets
1.74%
Return on Equity
13.94%
Net Interest Spread
2.24%
5-Year ROAA (Return on Average Assets)
1.56%
Overhead Efficiency Ratio
46.34%
Liquidity
Liquidity Ratio
67.31%
Hot Money
5.60%
Corporate Info
Group Affiliation
Villages Bancorporation, Inc.
Investment Rating
--
Address
1050 Lake Sumter Landing
The Villages, FL 32162
Phone Number
(352) 753-9515
Year Founded
1991
FDIC Number
Largest Affiliates
No affiliate information available.
Weiss Ratings