Citizens Bank and Trust Company

Weiss Ratings	Citizens Bank and Trust Company Blackstone, VA	Click to Compare	Click to Compare	Click to Compare
Rating	A
Asset Quality Index	9.50
Capitalization Index	10.00
Liquidity Index	4.40
Profitability Index	7.50
Stability Index	8.30

Company Info	Citizens Bank and Trust Company Blackstone, VA	Click to Compare	Click to Compare	Click to Compare
FDIC Number	823
Phone Number	(434) 292-8100
Website	www.cbtva.com

Asset Quality	Citizens Bank and Trust Company Blackstone, VA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-3.43%
5-Year Asset Growth	8.24%
5-Year Charge-Offs to Average Loans	-0.01%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.12%
Non-Performing Loans to Capital	0.10%
Non-Performing Loans to Loans	0.01%

Balance Sheet	Citizens Bank and Trust Company Blackstone, VA	Click to Compare	Click to Compare	Click to Compare
Total Assets	554.13M
Total Deposits	484.77M

Capital and Reserves	Citizens Bank and Trust Company Blackstone, VA	Click to Compare	Click to Compare	Click to Compare
Capital	59.27M
Leverage Ratio	12.86
Loan Loss Reserves to Loans	1.18%
Risk-Based Capital Ratio	--

Liquidity	Citizens Bank and Trust Company Blackstone, VA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	15.97%
Liquidity Ratio	43.34%

Profitability	Citizens Bank and Trust Company Blackstone, VA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.31%
Net Income	9.04M
Net Interest Spread	3.79%
Operating Profit to Average Assets	1.94%
Overhead Efficiency Ratio	52.17%
Return on Assets	1.57%
Return on Equity	17.02%