Home > Citizens Bank in Loup City > Performance and Condition Ratios

Citizens Bank in Loup City, Performance and Condition Ratios

2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9570%322
Cost of funding earning assets2.0560%3,090
Net interest margin4.9010%555
Noninterest income to average assets0.5406%4,156
Noninterest expense to average assets2.5612%5,854
Loan and lease loss provision to assets0.1352%6,007
Net operating income to assets1.6962%566
Return on assets (ROA)1.6962%593
Pretax return on assets2.4193%223
Return on Equity (ROE)15.6841%692
Retained earnings to average equity (ytd only)15.6841%140
Net charge-offs to loans0.1295%5,401
Credit loss provision to net charge-offs133.3333%3,741
Earnings coverage of net charge-offs (x)25.1995%1,061
Efficiency ratio50.0661%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 loans0.5893%7,597
Loan loss allowance to noncurrent loans81.1594%3,367
Noncurrent assets plus other real estate owned to assets0.5554%6,070
Noncurrent loans to loans0.7261%5,855
Net loans and leases to total assets76.0312%1,991
Net loans and leases to deposits92.5719%2,141
Net loans and leases to core deposits127.5778%1,613
Total domestic deposits to total assets82.1321%4,623
Equity capital to assets9.1231%5,299
Core capital (leverage) ratio10.4378%2,843
Tier 1 risk-based capital ratio11.3307%5,611
Total risk-based capital ratio11.8909%6,286
Memoranda:
Average total assets$19,729,5007,857
Average earning assets$18,417,5007,823
Average equity$2,133,7507,896
Average total loans$15,449,2507,495
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0461%296
Cost of funding earning assets2.1475%3,057
Net interest margin4.8986%542
Noninterest income to average assets0.5548%3,994
Noninterest expense to average assets2.7409%5,216
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets1.7311%531
Return on assets (ROA)1.7311%577
Pretax return on assets2.4968%219
Return on Equity (ROE)14.9330%842
Retained earnings to average equity (ytd only)14.9330%210
Net charge-offs to loans0.1823%4,426
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)17.3077%1,483
Efficiency ratio52.3305%7,487
Assets per employee ($millions)5.1435%1,918
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.5629%7,708
Loan loss allowance to noncurrent loans247.3684%1,252
Noncurrent assets plus other real estate owned to assets0.1847%7,071
Noncurrent loans to loans0.2275%6,939
Net loans and leases to total assets80.7135%1,187
Net loans and leases to deposits99.1403%1,374
Net loans and leases to core deposits142.8350%900
Total domestic deposits to total assets81.4134%4,922
Equity capital to assets10.5522%3,340
Core capital (leverage) ratio10.9222%2,467
Tier 1 risk-based capital ratio12.5549%4,478
Total risk-based capital ratio13.0985%4,968
Memoranda:
Average total assets$18,023,0007,987
Average earning assets$17,229,3307,941
Average equity$2,089,3307,985
Average total loans$14,264,0007,632
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6921%586
Cost of funding earning assets2.1225%3,548
Net interest margin4.5696%996
Noninterest income to average assets0.5493%3,925
Noninterest expense to average assets2.8422%4,368
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.4330%1,074
Return on assets (ROA)1.4330%1,157
Pretax return on assets2.0779%563
Return on Equity (ROE)11.7159%1,756
Retained earnings to average equity (ytd only)11.7159%845
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.7670%6,735
Assets per employee ($millions)4.4730%2,765
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.7461%7,321
Loan loss allowance to noncurrent loans248.8372%1,345
Noncurrent assets plus other real estate owned to assets0.2403%6,793
Noncurrent loans to loans0.2998%6,693
Net loans and leases to total assets79.5551%1,466
Net loans and leases to deposits93.5217%2,358
Net loans and leases to core deposits132.1266%1,531
Total domestic deposits to total assets85.0660%3,164
Equity capital to assets11.6141%2,511
Core capital (leverage) ratio12.7053%1,599
Tier 1 risk-based capital ratio14.1030%3,525
Total risk-based capital ratio14.8309%3,737
Memoranda:
Average total assets$16,747,5008,071
Average earning assets$16,019,0008,024
Average equity$2,048,5008,048
Average total loans$13,046,0007,745
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.2640%642
Cost of funding earning assets3.0597%1,642
Net interest margin4.2043%2,296
Noninterest income to average assets0.6469%3,491
Noninterest expense to average assets3.0302%3,970
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets1.1031%2,133
Return on assets (ROA)1.1031%2,047
Pretax return on assets1.5934%1,399
Return on Equity (ROE)8.4906%2,847
Retained earnings to average equity (ytd only)8.4906%707
Net charge-offs to loans0.0358%6,302
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)58.5000%683
Efficiency ratio65.5376%5,214
Assets per employee ($millions)3.9008%3,730
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.9106%6,617
Loan loss allowance to noncurrent loans297.2222%1,367
Noncurrent assets plus other real estate owned to assets0.2307%6,645
Noncurrent loans to loans0.3064%6,461
Net loans and leases to total assets74.6267%2,962
Net loans and leases to deposits86.9669%3,955
Net loans and leases to core deposits127.5216%2,039
Total domestic deposits to total assets85.8104%2,490
Equity capital to assets12.9398%1,813
Core capital (leverage) ratio13.7005%1,333
Tier 1 risk-based capital ratio16.3510%2,536
Total risk-based capital ratio17.2171%2,622
Memoranda:
Average total assets$14,685,6008,170
Average earning assets$13,890,4008,143
Average equity$1,908,0008,139
Average total loans$11,173,8007,880