Citizens Bank & Trust
| Weiss Ratings |
Citizens Bank & Trust
Guntersville, AL |
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| Rating | ||||
| Asset Quality Index | 8.90 | |||
| Capitalization Index | 6.90 | |||
| Liquidity Index | 4.40 | |||
| Profitability Index | 3.10 | |||
| Stability Index | 4.50 | |||
| Company Info |
Citizens Bank & Trust
Guntersville, AL |
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| FDIC Number | 57483 | |||
| Phone Number | (256) 505-4600 | |||
| Website | www.citizensbanktrust.com | |||
| Asset Quality |
Citizens Bank & Trust
Guntersville, AL |
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| 1-Year Asset Growth | 10.43% | |||
| 5-Year Asset Growth | 10.25% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.11% | |||
| Non-Performing Loans to Capital | 0.77% | |||
| Non-Performing Loans to Loans | 0.19% | |||
| Balance Sheet |
Citizens Bank & Trust
Guntersville, AL |
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| Total Assets | 1.20B | |||
| Total Deposits | 1.10B | |||
| Capital and Reserves |
Citizens Bank & Trust
Guntersville, AL |
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| Capital | 75.67M | |||
| Leverage Ratio | 8.93 | |||
| Loan Loss Reserves to Loans | 1.04% | |||
| Risk-Based Capital Ratio | 15.65 | |||
| Liquidity |
Citizens Bank & Trust
Guntersville, AL |
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| Hot Money Ratio | 21.02% | |||
| Liquidity Ratio | 27.62% | |||
| Profitability |
Citizens Bank & Trust
Guntersville, AL |
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| 5-Year Return on Average Assets | 0.68% | |||
| Net Income | 3.47M | |||
| Net Interest Spread | 2.67% | |||
| Operating Profit to Average Assets | 0.64% | |||
| Overhead Efficiency Ratio | 78.11% | |||
| Return on Assets | 0.60% | |||
| Return on Equity | 9.25% | |||