A
Citizens Bank
Data as of
June 30, 2022
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
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Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors: Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.3 has resulted in Excellent (9.8) profitability. A current level of 0.6 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (8.9).
Asset Mix: Securities (51%), comm re (17%), home mtgs (9%), comm loans (6%), consumer loans (4%), cash (3%), home eq lns (1%), other (9%)
States with Branches: TN
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
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
Investment Rating
--
Address
407 Main Street, North
Carthage, TN 37030
Phone Number
(615) 735-1490
Year Founded
1929
FDIC Number
893
Largest Affiliates
No affiliate information available.
Weiss Ratings