Citizens First Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.4 and a capital leverage ratio of 12.2. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (9.3).
Other 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 (9.2 on a scale of 0 to 10). Good liquidity 6.4, driven by a liquidity ratio of 56.4 percent and a “hot money” ratio of 10.8 percent.
Asset Mix:
Securities (60%), comm loans (9%), comm re (9%), home mtgs (6%), home eq lns (2%), cash (1%), consumer loans (0%), other (13%)
States with Branches:
FL
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
Villages Bancorporation, Inc.
Investment Rating
--
Address
1050 Lake Sumter Landing
The Villages, FL 32162
The Villages, FL 32162
Phone Number
(352) 753-9515
Year Founded
1991
FDIC Number
Website
Largest Affiliates
No affiliate information available.
