| Weiss Ratings |
Citizens Bank
Carthage, TN |
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| Rating | ||||
| Asset Quality Index | 8.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.40 | |||
| Profitability Index | 7.50 | |||
| Stability Index | 7.00 | |||
| Company Info |
Citizens Bank
Carthage, TN |
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| FDIC Number | 893 | |||
| Phone Number | (615) 735-1490 | |||
| Website | www.citzcar.com | |||
| Asset Quality |
Citizens Bank
Carthage, TN |
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| 1-Year Asset Growth | 3.32% | |||
| 5-Year Asset Growth | 5.27% | |||
| 5-Year Charge-Offs to Average Loans | 0.03% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.19% | |||
| Non-Performing Loans to Capital | 1.30% | |||
| Non-Performing Loans to Loans | 0.35% | |||
| Balance Sheet |
Citizens Bank
Carthage, TN |
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| Total Assets | 786.12M | |||
| Total Deposits | 680.33M | |||
| Capital and Reserves |
Citizens Bank
Carthage, TN |
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| Capital | 100.33M | |||
| Leverage Ratio | 16.79 | |||
| Loan Loss Reserves to Loans | 1.14% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens Bank
Carthage, TN |
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| Hot Money Ratio | 38.58% | |||
| Liquidity Ratio | 41.48% | |||
| Profitability |
Citizens Bank
Carthage, TN |
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| 5-Year Return on Average Assets | 2.10% | |||
| Net Income | 11.61M | |||
| Net Interest Spread | 3.01% | |||
| Operating Profit to Average Assets | 1.77% | |||
| Overhead Efficiency Ratio | 36.87% | |||
| Return on Assets | 1.47% | |||
| Return on Equity | 11.60% | |||