Citizens Bank & Trust
| Weiss Ratings |
Citizens Bank & Trust
Guntersville, AL |
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| Rating | ||||
| Asset Quality Index | 8.80 | |||
| Capitalization Index | 7.40 | |||
| Liquidity Index | 3.70 | |||
| 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 | 5.58% | |||
| 5-Year Asset Growth | 10.25% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.12% | |||
| Non-Performing Assets to Assets | 0.11% | |||
| Non-Performing Loans to Capital | 1.01% | |||
| Non-Performing Loans to Loans | 0.20% | |||
| Balance Sheet |
Citizens Bank & Trust
Guntersville, AL |
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| Total Assets | 1.09B | |||
| Total Deposits | 991.35M | |||
| Capital and Reserves |
Citizens Bank & Trust
Guntersville, AL |
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| Capital | 73.26M | |||
| Leverage Ratio | 9.28 | |||
| Loan Loss Reserves to Loans | 1.05% | |||
| Risk-Based Capital Ratio | 15.21 | |||
| Liquidity |
Citizens Bank & Trust
Guntersville, AL |
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| Hot Money Ratio | 24.69% | |||
| Liquidity Ratio | 22.41% | |||
| Profitability |
Citizens Bank & Trust
Guntersville, AL |
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| 5-Year Return on Average Assets | 0.74% | |||
| Net Income | 6.28M | |||
| Net Interest Spread | 2.66% | |||
| Operating Profit to Average Assets | 0.66% | |||
| Overhead Efficiency Ratio | 76.52% | |||
| Return on Assets | 0.58% | |||
| Return on Equity | 9.50% | |||