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 14.9 and a capital leverage ratio of 11.5. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.6 has resulted in Good (6.6) profitability.
Other Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Good asset quality (6.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (22%), securities (19%), home mtgs (9%), comm loans (9%), cash (5%), consumer loans (1%), other (35%)
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.