Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Weak (2.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 8.5. A current level of 5.9 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Home mtgs (34%), comm re (34%), cash (7%), comm loans (6%), home eq lns (2%), securities (1%), consumer loans (0%), other (16%)
States with Branches:
OK
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 Bancshares, Inc.
Investment Rating
--
Address
One East First Street
Edmond, OK 73034
Edmond, OK 73034
Phone Number
(405) 341-6650
Year Founded
1901
FDIC Number
Website
Largest Affiliates
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