Citizens Bank & Trust
Major Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (8.9). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.7 and a capital leverage ratio of 8.9.
Other 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 (4.5 on a scale of 0 to 10). Fair liquidity 4.4, driven by a liquidity ratio of 27.6 percent and a “hot money” ratio of 21.0 percent.
Asset Mix:
Securities (26%), comm re (22%), cash (15%), home mtgs (12%), comm loans (6%), home eq lns (4%), consumer loans (2%), other (13%)
States with Branches:
AL
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 B&T Holdings, Inc.
Investment Rating
--
Address
711 Gunter Avenue
Guntersville, AL 35976
Guntersville, AL 35976
Phone Number
(256) 505-4600
Year Founded
2003
FDIC Number
Website
Largest Affiliates
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