First Citizens Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.6 and a capital leverage ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Good asset quality (6.8). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Good (5.6) profitability.
Asset Mix:
Comm re (22%), securities (20%), comm loans (10%), home mtgs (8%), cash (4%), consumer loans (1%), other (36%)
States with Branches:
IA, MN
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
First Citizens Financial Corp.
Investment Rating
--
Address
2601 Fourth Street, SW
Mason City, IA 50401
Mason City, IA 50401
Phone Number
(800) 423-1602
Year Founded
1892
FDIC Number
Website
Largest Affiliates
No affiliate information available.