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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability.
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 12.1 and a capital leverage ratio of 8.7. A current level of 3.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3).
Asset Mix:
Comm re (37%), home mtgs (28%), cash (11%), comm loans (7%), home eq lns (2%), securities (2%), consumer loans (0%), other (13%)
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
No affiliate information available.