| Weiss Ratings |
Citizens National Bank of Cheboygan
Cheboygan, MI |
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| Rating | ||||
| Asset Quality Index | 9.00 | |||
| Capitalization Index | 5.60 | |||
| Liquidity Index | 3.60 | |||
| Profitability Index | 3.60 | |||
| Stability Index | 3.00 | |||
| Company Info |
Citizens National Bank of Cheboygan
Cheboygan, MI |
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| FDIC Number | 5018 | |||
| Phone Number | (231) 627-7111 | |||
| Website | www.cnbismybank.com | |||
| Asset Quality |
Citizens National Bank of Cheboygan
Cheboygan, MI |
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| 1-Year Asset Growth | -4.86% | |||
| 5-Year Asset Growth | 10.62% | |||
| 5-Year Charge-Offs to Average Loans | -0.01% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.05% | |||
| Non-Performing Loans to Capital | 0.27% | |||
| Non-Performing Loans to Loans | 0.10% | |||
| Balance Sheet |
Citizens National Bank of Cheboygan
Cheboygan, MI |
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| Total Assets | 467.18M | |||
| Total Deposits | 448.28M | |||
| Capital and Reserves |
Citizens National Bank of Cheboygan
Cheboygan, MI |
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| Capital | 13.02M | |||
| Leverage Ratio | 7.55 | |||
| Loan Loss Reserves to Loans | 1.41% | |||
| Risk-Based Capital Ratio | 15.33 | |||
| Liquidity |
Citizens National Bank of Cheboygan
Cheboygan, MI |
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| Hot Money Ratio | 8.51% | |||
| Liquidity Ratio | 17.59% | |||
| Profitability |
Citizens National Bank of Cheboygan
Cheboygan, MI |
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| 5-Year Return on Average Assets | 0.72% | |||
| Net Income | 756.00K | |||
| Net Interest Spread | 3.26% | |||
| Operating Profit to Average Assets | 0.77% | |||
| Overhead Efficiency Ratio | 79.30% | |||
| Return on Assets | 0.63% | |||
| Return on Equity | 27.24% | |||