Citizens Bank & Trust Company
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.5. A current level of 14.0 percent of nonperforming loans to core capital combined with 9.4 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
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). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (3.7) profitability.
Asset Mix:
Securities (29%), home mtgs (9%), comm loans (7%), cash (2%), comm re (2%), consumer loans (1%), other (51%)
States with Branches:
NE
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
Howard County Land and Cattle Co.
Investment Rating
--
Address
721 Seventh Street
Saint Paul, NE 68873
Saint Paul, NE 68873
Phone Number
(308) 754-4426
Year Founded
1888
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.