| Weiss Ratings |
The Citizens Bank of Winfield
Winfield, AL |
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| Rating | ||||
| Asset Quality Index | 8.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.80 | |||
| Profitability Index | 2.20 | |||
| Stability Index | 4.60 | |||
| Company Info |
The Citizens Bank of Winfield
Winfield, AL |
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| FDIC Number | 52 | |||
| Phone Number | (205) 487-4277 | |||
| Website | www.cbwinfield.com/ | |||
| Asset Quality |
The Citizens Bank of Winfield
Winfield, AL |
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| 1-Year Asset Growth | 8.73% | |||
| 5-Year Asset Growth | 0.79% | |||
| 5-Year Charge-Offs to Average Loans | 0.44% | |||
| Charge-Offs to Average Loans | 0.56% | |||
| Non-Performing Assets to Assets | 0.37% | |||
| Non-Performing Loans to Capital | 1.19% | |||
| Non-Performing Loans to Loans | 0.96% | |||
| Balance Sheet |
The Citizens Bank of Winfield
Winfield, AL |
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| Total Assets | 294.61M | |||
| Total Deposits | 221.22M | |||
| Capital and Reserves |
The Citizens Bank of Winfield
Winfield, AL |
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| Capital | 27.51M | |||
| Leverage Ratio | 17.69 | |||
| Loan Loss Reserves to Loans | 0.91% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The Citizens Bank of Winfield
Winfield, AL |
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| Hot Money Ratio | 54.77% | |||
| Liquidity Ratio | 10.05% | |||
| Profitability |
The Citizens Bank of Winfield
Winfield, AL |
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| 5-Year Return on Average Assets | 0.95% | |||
| Net Income | 1.33M | |||
| Net Interest Spread | 2.18% | |||
| Operating Profit to Average Assets | 0.50% | |||
| Overhead Efficiency Ratio | 70.53% | |||
| Return on Assets | 0.42% | |||
| Return on Equity | 5.53% | |||