Citizens Bank & Trust
Major Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (8.8). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.7 and a capital leverage ratio of 9.4.
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 (4.4 on a scale of 0 to 10). Fair liquidity 3.9, driven by a liquidity ratio of 24.8 percent and a “hot money” ratio of 24.9 percent.
Asset Mix:
Securities (27%), comm re (23%), home mtgs (12%), cash (10%), comm loans (7%), home eq lns (4%), consumer loans (2%), other (15%)
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
No affiliate information available.