Citizens Bank of Cumberland County, Inc.
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 3.6 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Excellent asset quality (7.3).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.3. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (9.1) profitability.
Asset Mix:
Home mtgs (36%), securities (17%), comm re (11%), consumer loans (9%), cash (5%), comm loans (3%), home eq lns (1%), other (18%)
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
Citizens Cumberland Bancshares, Inc.
Investment Rating
--
Address
209 Keen Street
Burkesville, KY 42717
Burkesville, KY 42717
Phone Number
(270) 864-2323
Year Founded
2000
FDIC Number
Website
Largest Affiliates
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