Citizens Bank and Trust
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.0) profitability.
Other Rating Factors:
Good current capitalization (5.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 7.7. A current level of 5.4 percent of nonperforming loans to core capital combined with 50.8 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Securities (33%), comm re (23%), home mtgs (12%), comm loans (8%), consumer loans (7%), cash (5%), home eq lns (3%), other (8%)
States with Branches:
FL
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
Citizens Banking Corporation
Investment Rating
--
Address
2 East Wall Street
Frostproof, FL 33843
Frostproof, FL 33843
Phone Number
(863) 676-7631
Year Founded
1920
FDIC Number
Website
Largest Affiliates
No affiliate information available.