Citizens First Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.4 and a capital leverage ratio of 12.2. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (9.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.2 on a scale of 0 to 10). Good liquidity 6.4, driven by a liquidity ratio of 56.4 percent and a “hot money” ratio of 10.8 percent.
Asset Mix:
Securities (60%), comm loans (9%), comm re (9%), home mtgs (6%), home eq lns (2%), cash (1%), consumer loans (0%), other (13%)
States with Branches:
FL
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
Villages Bancorporation, Inc.
Investment Rating
Address
1050 Lake Sumter Landing
The Villages, FL 32162
The Villages, FL 32162
Phone Number
(352) 753-9515
Year Founded
1991
FDIC Number
Website
Largest Affiliates
No affiliate information available.
