Citizens First National Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.8 and a capital leverage ratio of 13.5. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Good (6.2) profitability.
Asset Mix:
Securities (33%), comm loans (10%), cash (9%), home mtgs (6%), consumer loans (3%), comm re (2%), other (36%)
States with Branches:
IA
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
FNC., Inc.
Investment Rating
--
Address
529 Lake Avenue
Storm Lake, IA 50588
Storm Lake, IA 50588
Phone Number
(712) 732-5440
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.