The Citizens Bank
Major Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital combined with 11.5 percent from a year earlier contributes to the Excellent asset quality (7.3). Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.2 and a capital leverage ratio of 9.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10). Fair liquidity 4.7, driven by a liquidity ratio of 53.8 percent and a “hot money” ratio of 5.4 percent.
Asset Mix:
Securities (46%), cash (14%), comm re (14%), home mtgs (13%), comm loans (5%), home eq lns (1%), consumer loans (0%), other (8%)
States with Branches:
NM
Corporate Info
Citizens Bankshares, Inc.
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500 West Broadway
Farmington, NM 87401
Farmington, NM 87401
(505) 599-0100
1905
Largest Affiliates
No affiliate information available.