Citizens Bank and Trust
| Weiss Ratings |
Citizens Bank and Trust
Lake Wales, FL |
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| Rating | ||||
| Asset Quality Index | 6.50 | |||
| Capitalization Index | 5.70 | |||
| Liquidity Index | 4.00 | |||
| Profitability Index | 4.10 | |||
| Stability Index | 4.10 | |||
| Company Info |
Citizens Bank and Trust
Lake Wales, FL |
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| FDIC Number | 5673 | |||
| Phone Number | (863) 676-7631 | |||
| Website | www.citizens-bank.com | |||
| Asset Quality |
Citizens Bank and Trust
Lake Wales, FL |
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| 1-Year Asset Growth | 6.63% | |||
| 5-Year Asset Growth | 19.31% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 0.56% | |||
| Non-Performing Loans to Capital | 2.15% | |||
| Non-Performing Loans to Loans | 0.97% | |||
| Balance Sheet |
Citizens Bank and Trust
Lake Wales, FL |
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| Total Assets | 1.45B | |||
| Total Deposits | 1.38B | |||
| Capital and Reserves |
Citizens Bank and Trust
Lake Wales, FL |
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| Capital | 50.16M | |||
| Leverage Ratio | 7.66 | |||
| Loan Loss Reserves to Loans | 1.11% | |||
| Risk-Based Capital Ratio | 13.25 | |||
| Liquidity |
Citizens Bank and Trust
Lake Wales, FL |
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| Hot Money Ratio | 6.39% | |||
| Liquidity Ratio | 15.32% | |||
| Profitability |
Citizens Bank and Trust
Lake Wales, FL |
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| 5-Year Return on Average Assets | 0.99% | |||
| Net Income | 11.12M | |||
| Net Interest Spread | 2.98% | |||
| Operating Profit to Average Assets | 1.01% | |||
| Overhead Efficiency Ratio | 67.64% | |||
| Return on Assets | 1.01% | |||
| Return on Equity | 38.79% | |||