Home > Citizens Bank in Loup City > Performance and Condition Ratios
Citizens Bank in Loup City, Performance and Condition Ratios
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9570% | 322 |
Cost of funding earning assets | 2.0560% | 3,090 |
Net interest margin | 4.9010% | 555 |
Noninterest income to average assets | 0.5406% | 4,156 |
Noninterest expense to average assets | 2.5612% | 5,854 |
Loan and lease loss provision to assets | 0.1352% | 6,007 |
Net operating income to assets | 1.6962% | 566 |
Return on assets (ROA) | 1.6962% | 593 |
Pretax return on assets | 2.4193% | 223 |
Return on Equity (ROE) | 15.6841% | 692 |
Retained earnings to average equity (ytd only) | 15.6841% | 140 |
Net charge-offs to loans | 0.1295% | 5,401 |
Credit loss provision to net charge-offs | 133.3333% | 3,741 |
Earnings coverage of net charge-offs (x) | 25.1995% | 1,061 |
Efficiency ratio | 50.0661% | 7,547 |
Assets per employee ($millions) | 6.2123% | 1,112 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5893% | 7,597 |
Loan loss allowance to noncurrent loans | 81.1594% | 3,367 |
Noncurrent assets plus other real estate owned to assets | 0.5554% | 6,070 |
Noncurrent loans to loans | 0.7261% | 5,855 |
Net loans and leases to total assets | 76.0312% | 1,991 |
Net loans and leases to deposits | 92.5719% | 2,141 |
Net loans and leases to core deposits | 127.5778% | 1,613 |
Total domestic deposits to total assets | 82.1321% | 4,623 |
Equity capital to assets | 9.1231% | 5,299 |
Core capital (leverage) ratio | 10.4378% | 2,843 |
Tier 1 risk-based capital ratio | 11.3307% | 5,611 |
Total risk-based capital ratio | 11.8909% | 6,286 |
Memoranda: | ||
Average total assets | $19,729,500 | 7,857 |
Average earning assets | $18,417,500 | 7,823 |
Average equity | $2,133,750 | 7,896 |
Average total loans | $15,449,250 | 7,495 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0461% | 296 |
Cost of funding earning assets | 2.1475% | 3,057 |
Net interest margin | 4.8986% | 542 |
Noninterest income to average assets | 0.5548% | 3,994 |
Noninterest expense to average assets | 2.7409% | 5,216 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 1.7311% | 531 |
Return on assets (ROA) | 1.7311% | 577 |
Pretax return on assets | 2.4968% | 219 |
Return on Equity (ROE) | 14.9330% | 842 |
Retained earnings to average equity (ytd only) | 14.9330% | 210 |
Net charge-offs to loans | 0.1823% | 4,426 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | 17.3077% | 1,483 |
Efficiency ratio | 52.3305% | 7,487 |
Assets per employee ($millions) | 5.1435% | 1,918 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5629% | 7,708 |
Loan loss allowance to noncurrent loans | 247.3684% | 1,252 |
Noncurrent assets plus other real estate owned to assets | 0.1847% | 7,071 |
Noncurrent loans to loans | 0.2275% | 6,939 |
Net loans and leases to total assets | 80.7135% | 1,187 |
Net loans and leases to deposits | 99.1403% | 1,374 |
Net loans and leases to core deposits | 142.8350% | 900 |
Total domestic deposits to total assets | 81.4134% | 4,922 |
Equity capital to assets | 10.5522% | 3,340 |
Core capital (leverage) ratio | 10.9222% | 2,467 |
Tier 1 risk-based capital ratio | 12.5549% | 4,478 |
Total risk-based capital ratio | 13.0985% | 4,968 |
Memoranda: | ||
Average total assets | $18,023,000 | 7,987 |
Average earning assets | $17,229,330 | 7,941 |
Average equity | $2,089,330 | 7,985 |
Average total loans | $14,264,000 | 7,632 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6921% | 586 |
Cost of funding earning assets | 2.1225% | 3,548 |
Net interest margin | 4.5696% | 996 |
Noninterest income to average assets | 0.5493% | 3,925 |
Noninterest expense to average assets | 2.8422% | 4,368 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.4330% | 1,074 |
Return on assets (ROA) | 1.4330% | 1,157 |
Pretax return on assets | 2.0779% | 563 |
Return on Equity (ROE) | 11.7159% | 1,756 |
Retained earnings to average equity (ytd only) | 11.7159% | 845 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.7670% | 6,735 |
Assets per employee ($millions) | 4.4730% | 2,765 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7461% | 7,321 |
Loan loss allowance to noncurrent loans | 248.8372% | 1,345 |
Noncurrent assets plus other real estate owned to assets | 0.2403% | 6,793 |
Noncurrent loans to loans | 0.2998% | 6,693 |
Net loans and leases to total assets | 79.5551% | 1,466 |
Net loans and leases to deposits | 93.5217% | 2,358 |
Net loans and leases to core deposits | 132.1266% | 1,531 |
Total domestic deposits to total assets | 85.0660% | 3,164 |
Equity capital to assets | 11.6141% | 2,511 |
Core capital (leverage) ratio | 12.7053% | 1,599 |
Tier 1 risk-based capital ratio | 14.1030% | 3,525 |
Total risk-based capital ratio | 14.8309% | 3,737 |
Memoranda: | ||
Average total assets | $16,747,500 | 8,071 |
Average earning assets | $16,019,000 | 8,024 |
Average equity | $2,048,500 | 8,048 |
Average total loans | $13,046,000 | 7,745 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.2640% | 642 |
Cost of funding earning assets | 3.0597% | 1,642 |
Net interest margin | 4.2043% | 2,296 |
Noninterest income to average assets | 0.6469% | 3,491 |
Noninterest expense to average assets | 3.0302% | 3,970 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 1.1031% | 2,133 |
Return on assets (ROA) | 1.1031% | 2,047 |
Pretax return on assets | 1.5934% | 1,399 |
Return on Equity (ROE) | 8.4906% | 2,847 |
Retained earnings to average equity (ytd only) | 8.4906% | 707 |
Net charge-offs to loans | 0.0358% | 6,302 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | 58.5000% | 683 |
Efficiency ratio | 65.5376% | 5,214 |
Assets per employee ($millions) | 3.9008% | 3,730 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9106% | 6,617 |
Loan loss allowance to noncurrent loans | 297.2222% | 1,367 |
Noncurrent assets plus other real estate owned to assets | 0.2307% | 6,645 |
Noncurrent loans to loans | 0.3064% | 6,461 |
Net loans and leases to total assets | 74.6267% | 2,962 |
Net loans and leases to deposits | 86.9669% | 3,955 |
Net loans and leases to core deposits | 127.5216% | 2,039 |
Total domestic deposits to total assets | 85.8104% | 2,490 |
Equity capital to assets | 12.9398% | 1,813 |
Core capital (leverage) ratio | 13.7005% | 1,333 |
Tier 1 risk-based capital ratio | 16.3510% | 2,536 |
Total risk-based capital ratio | 17.2171% | 2,622 |
Memoranda: | ||
Average total assets | $14,685,600 | 8,170 |
Average earning assets | $13,890,400 | 8,143 |
Average equity | $1,908,000 | 8,139 |
Average total loans | $11,173,800 | 7,880 |