Home > Citizens Bank of Effingham > Performance and Condition Ratios
Citizens Bank of Effingham, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 6,567 |
| Cost of funding earning assets | 2.1103% | 413 |
| Net interest margin | 2.3164% | 7,359 |
| Noninterest income to average assets | 0.0860% | 6,966 |
| Noninterest expense to average assets | 2.4593% | 5,916 |
| Loan and lease loss provision to assets | 4.1577% | 148 |
| Net operating income to assets | -4.4102% | 7,481 |
| Return on assets (ROA) | -4.4102% | 7,496 |
| Pretax return on assets | -4.5188% | 7,501 |
| Return on Equity (ROE) | -130.1793% | 7,626 |
| Retained earnings to average equity (ytd only) | -130.1793% | 7,626 |
| Net charge-offs to loans | 5.6615% | 117 |
| Credit loss provision to net charge-offs | 99.2427% | 4,662 |
| Earnings coverage of net charge-offs (x) | -0.0862% | 6,209 |
| Efficiency ratio | 117.2121% | 437 |
| Assets per employee ($millions) | 5.1018% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4466% | 610 |
| Loan loss allowance to noncurrent loans | 25.7005% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 17.5041% | 108 |
| Noncurrent loans to loans | 13.4107% | 213 |
| Net loans and leases to total assets | 65.2386% | 3,611 |
| Net loans and leases to deposits | 67.6982% | 5,143 |
| Net loans and leases to core deposits | 79.0802% | 4,338 |
| Total domestic deposits to total assets | 96.3668% | 28 |
| Equity capital to assets | 1.0225% | 7,633 |
| Core capital (leverage) ratio | 0.9659% | 7,633 |
| Tier 1 risk-based capital ratio | 1.2670% | 7,633 |
| Total risk-based capital ratio | 2.5339% | 7,633 |
| Memoranda: | ||
| Average total assets | $230,104,600 | 2,757 |
| Average earning assets | $199,875,400 | 2,881 |
| Average equity | $7,795,400 | 5,776 |
| Average total loans | $170,273,000 | 2,469 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 6,936 |
| Cost of funding earning assets | 2.0988% | 537 |
| Net interest margin | 2.2236% | 7,508 |
| Noninterest income to average assets | -0.0256% | 7,479 |
| Noninterest expense to average assets | 2.3144% | 6,278 |
| Loan and lease loss provision to assets | 4.8920% | 96 |
| Net operating income to assets | -5.2731% | 7,664 |
| Return on assets (ROA) | -5.2731% | 7,670 |
| Pretax return on assets | -5.2731% | 7,658 |
| Return on Equity (ROE) | -134.2071% | 7,720 |
| Retained earnings to average equity (ytd only) | -134.2071% | 7,720 |
| Net charge-offs to loans | 4.3483% | 250 |
| Credit loss provision to net charge-offs | 149.0713% | 2,613 |
| Earnings coverage of net charge-offs (x) | -0.1161% | 6,118 |
| Efficiency ratio | 119.7113% | 400 |
| Assets per employee ($millions) | 5.1796% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8612% | 193 |
| Loan loss allowance to noncurrent loans | 24.9328% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 18.7839% | 79 |
| Noncurrent loans to loans | 19.4974% | 87 |
| Net loans and leases to total assets | 70.9809% | 2,493 |
| Net loans and leases to deposits | 74.1334% | 4,484 |
| Net loans and leases to core deposits | 88.0474% | 3,364 |
| Total domestic deposits to total assets | 95.7475% | 30 |
| Equity capital to assets | 1.4838% | 7,731 |
| Core capital (leverage) ratio | 1.3391% | 7,728 |
| Tier 1 risk-based capital ratio | 1.7487% | 7,732 |
| Total risk-based capital ratio | 3.0398% | 7,732 |
| Memoranda: | ||
| Average total assets | $234,062,000 | 2,729 |
| Average earning assets | $206,203,750 | 2,831 |
| Average equity | $9,196,500 | 5,427 |
| Average total loans | $176,646,250 | 2,428 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6544% | 6,295 |
| Cost of funding earning assets | 2.1040% | 648 |
| Net interest margin | 2.5504% | 7,385 |
| Noninterest income to average assets | 0.4057% | 4,865 |
| Noninterest expense to average assets | 2.2357% | 6,554 |
| Loan and lease loss provision to assets | 3.1590% | 305 |
| Net operating income to assets | -2.7232% | 7,466 |
| Return on assets (ROA) | -2.7232% | 7,476 |
| Pretax return on assets | -2.7232% | 7,422 |
| Return on Equity (ROE) | -58.3229% | 7,650 |
| Retained earnings to average equity (ytd only) | -58.3229% | 7,647 |
| Net charge-offs to loans | 5.4093% | 176 |
| Credit loss provision to net charge-offs | 77.1143% | 4,784 |
| Earnings coverage of net charge-offs (x) | 0.1064% | 5,618 |
| Efficiency ratio | 83.6875% | 1,958 |
| Assets per employee ($millions) | 5.1592% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2846% | 1,613 |
| Loan loss allowance to noncurrent loans | 15.3642% | 7,135 |
| Noncurrent assets plus other real estate owned to assets | 13.6420% | 194 |
| Noncurrent loans to loans | 14.8694% | 174 |
| Net loans and leases to total assets | 72.5867% | 2,262 |
| Net loans and leases to deposits | 77.6573% | 4,050 |
| Net loans and leases to core deposits | 94.2669% | 2,673 |
| Total domestic deposits to total assets | 93.4706% | 95 |
| Equity capital to assets | 3.9593% | 7,697 |
| Core capital (leverage) ratio | 3.7164% | 7,697 |
| Tier 1 risk-based capital ratio | 4.9235% | 7,704 |
| Total risk-based capital ratio | 6.1846% | 7,705 |
| Memoranda: | ||
| Average total assets | $239,568,330 | 2,707 |
| Average earning assets | $212,829,670 | 2,779 |
| Average equity | $11,186,000 | 4,884 |
| Average total loans | $181,427,000 | 2,411 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 6,563 |
| Cost of funding earning assets | 2.0860% | 854 |
| Net interest margin | 2.5136% | 7,463 |
| Noninterest income to average assets | 0.4768% | 4,228 |
| Noninterest expense to average assets | 2.1359% | 6,850 |
| Loan and lease loss provision to assets | 1.1954% | 1,019 |
| Net operating income to assets | -0.6215% | 6,915 |
| Return on assets (ROA) | -0.6215% | 6,943 |
| Pretax return on assets | -0.6215% | 6,856 |
| Return on Equity (ROE) | -12.4107% | 7,235 |
| Retained earnings to average equity (ytd only) | -12.4107% | 7,095 |
| Net charge-offs to loans | 1.4609% | 1,183 |
| Credit loss provision to net charge-offs | 107.0692% | 3,212 |
| Earnings coverage of net charge-offs (x) | 0.5140% | 4,577 |
| Efficiency ratio | 78.8228% | 2,757 |
| Assets per employee ($millions) | 5.2666% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7902% | 1,000 |
| Loan loss allowance to noncurrent loans | 19.8740% | 7,015 |
| Noncurrent assets plus other real estate owned to assets | 12.8707% | 212 |
| Noncurrent loans to loans | 14.0394% | 209 |
| Net loans and leases to total assets | 73.5008% | 2,082 |
| Net loans and leases to deposits | 79.4041% | 3,762 |
| Net loans and leases to core deposits | 101.2573% | 1,999 |
| Total domestic deposits to total assets | 92.5655% | 160 |
| Equity capital to assets | 4.9562% | 7,725 |
| Core capital (leverage) ratio | 4.9319% | 7,706 |
| Tier 1 risk-based capital ratio | 5.6585% | 7,765 |
| Total risk-based capital ratio | 6.8219% | 7,774 |
| Memoranda: | ||
| Average total assets | $243,270,000 | 2,729 |
| Average earning assets | $216,104,500 | 2,793 |
| Average equity | $12,183,000 | 4,670 |
| Average total loans | $185,910,000 | 2,417 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 6,984 |
| Cost of funding earning assets | 2.3851% | 1,346 |
| Net interest margin | 2.3975% | 7,515 |
| Noninterest income to average assets | 0.4838% | 4,536 |
| Noninterest expense to average assets | 2.0290% | 7,321 |
| Loan and lease loss provision to assets | 4.4597% | 267 |
| Net operating income to assets | -3.0239% | 7,399 |
| Return on assets (ROA) | -3.0236% | 7,409 |
| Pretax return on assets | -3.8432% | 7,495 |
| Return on Equity (ROE) | -42.7411% | 7,609 |
| Retained earnings to average equity (ytd only) | -43.1865% | 7,597 |
| Net charge-offs to loans | 4.1033% | 392 |
| Credit loss provision to net charge-offs | 132.8189% | 3,764 |
| Earnings coverage of net charge-offs (x) | 0.1835% | 5,965 |
| Efficiency ratio | 76.7085% | 3,406 |
| Assets per employee ($millions) | 5.1974% | 1,951 |
| Cash dividends to net income (ytd only)* | -1.0421% | 7,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6839% | 1,031 |
| Loan loss allowance to noncurrent loans | 19.0496% | 7,103 |
| Noncurrent assets plus other real estate owned to assets | 12.1068% | 247 |
| Noncurrent loans to loans | 14.0890% | 206 |
| Net loans and leases to total assets | 75.1527% | 1,994 |
| Net loans and leases to deposits | 81.2776% | 3,743 |
| Net loans and leases to core deposits | 105.8519% | 3,359 |
| Total domestic deposits to total assets | 92.4643% | 190 |
| Equity capital to assets | 5.0594% | 7,787 |
| Core capital (leverage) ratio | 4.9680% | 7,773 |
| Tier 1 risk-based capital ratio | 5.7334% | 7,830 |
| Total risk-based capital ratio | 6.8805% | 7,842 |
| Memoranda: | ||
| Average total assets | $241,204,800 | 2,709 |
| Average earning assets | $217,436,800 | 2,737 |
| Average equity | $17,063,200 | 3,661 |
| Average total loans | $197,377,600 | 2,317 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8301% | 7,049 |
| Cost of funding earning assets | 2.4424% | 1,481 |
| Net interest margin | 2.3877% | 7,576 |
| Noninterest income to average assets | 0.4963% | 4,515 |
| Noninterest expense to average assets | 1.9802% | 7,419 |
| Loan and lease loss provision to assets | 4.1479% | 272 |
| Net operating income to assets | -3.6045% | 7,700 |
| Return on assets (ROA) | -3.6045% | 7,703 |
| Pretax return on assets | -3.4753% | 7,608 |
| Return on Equity (ROE) | -47.5154% | 7,814 |
| Retained earnings to average equity (ytd only) | -48.0709% | 7,815 |
| Net charge-offs to loans | 0.3741% | 3,780 |
| Credit loss provision to net charge-offs | 1,335.7143% | 293 |
| Earnings coverage of net charge-offs (x) | 2.1661% | 4,205 |
| Efficiency ratio | 74.6446% | 3,754 |
| Assets per employee ($millions) | 5.0500% | 2,089 |
| Cash dividends to net income (ytd only)* | -1.1692% | 7,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6719% | 180 |
| Loan loss allowance to noncurrent loans | 33.6473% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 13.0351% | 181 |
| Noncurrent loans to loans | 13.8848% | 186 |
| Net loans and leases to total assets | 80.1484% | 1,141 |
| Net loans and leases to deposits | 87.1573% | 3,119 |
| Net loans and leases to core deposits | 107.4672% | 3,540 |
| Total domestic deposits to total assets | 91.9583% | 185 |
| Equity capital to assets | 5.5723% | 7,912 |
| Core capital (leverage) ratio | 5.4686% | 7,876 |
| Tier 1 risk-based capital ratio | 6.0359% | 7,953 |
| Total risk-based capital ratio | 7.1987% | 7,960 |
| Memoranda: | ||
| Average total assets | $240,437,000 | 2,729 |
| Average earning assets | $217,159,500 | 2,757 |
| Average equity | $18,239,250 | 3,493 |
| Average total loans | $199,561,250 | 2,326 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 7,072 |
| Cost of funding earning assets | 2.5064% | 1,590 |
| Net interest margin | 2.3764% | 7,594 |
| Noninterest income to average assets | 0.4597% | 4,781 |
| Noninterest expense to average assets | 2.0243% | 7,422 |
| Loan and lease loss provision to assets | 0.2485% | 4,587 |
| Net operating income to assets | 0.2512% | 5,082 |
| Return on assets (ROA) | 0.2518% | 5,173 |
| Pretax return on assets | 0.3388% | 5,102 |
| Return on Equity (ROE) | 3.0537% | 4,880 |
| Retained earnings to average equity (ytd only) | 2.4912% | 3,949 |
| Net charge-offs to loans | 0.0952% | 5,224 |
| Credit loss provision to net charge-offs | 315.7895% | 1,474 |
| Earnings coverage of net charge-offs (x) | 7.4526% | 2,439 |
| Efficiency ratio | 77.5381% | 3,413 |
| Assets per employee ($millions) | 4.9071% | 2,185 |
| Cash dividends to net income (ytd only)* | 18.4211% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 4,228 |
| Loan loss allowance to noncurrent loans | 642.6108% | 527 |
| Noncurrent assets plus other real estate owned to assets | 1.3404% | 4,271 |
| Noncurrent loans to loans | 0.2035% | 7,005 |
| Net loans and leases to total assets | 81.8814% | 977 |
| Net loans and leases to deposits | 91.9142% | 2,483 |
| Net loans and leases to core deposits | 113.4570% | 2,974 |
| Total domestic deposits to total assets | 89.0846% | 1,227 |
| Equity capital to assets | 8.3265% | 6,299 |
| Core capital (leverage) ratio | 8.3872% | 5,650 |
| Tier 1 risk-based capital ratio | 9.9109% | 7,028 |
| Total risk-based capital ratio | 11.1578% | 6,960 |
| Memoranda: | ||
| Average total assets | $241,465,670 | 2,736 |
| Average earning assets | $218,562,330 | 2,758 |
| Average equity | $19,910,330 | 3,257 |
| Average total loans | $199,563,000 | 2,358 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 7,275 |
| Cost of funding earning assets | 2.6381% | 1,456 |
| Net interest margin | 2.2173% | 7,780 |
| Noninterest income to average assets | 0.5488% | 3,929 |
| Noninterest expense to average assets | 2.0713% | 7,187 |
| Loan and lease loss provision to assets | 0.2480% | 3,990 |
| Net operating income to assets | 0.1471% | 5,830 |
| Return on assets (ROA) | 0.1471% | 5,999 |
| Pretax return on assets | 0.2331% | 5,865 |
| Return on Equity (ROE) | 1.7930% | 5,842 |
| Retained earnings to average equity (ytd only) | 1.1886% | 5,162 |
| Net charge-offs to loans | -0.1303% | 7,943 |
| Credit loss provision to net charge-offs | -230.7692% | 6,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1528% | 2,657 |
| Assets per employee ($millions) | 4.9421% | 2,127 |
| Cash dividends to net income (ytd only)* | 33.7079% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 4,051 |
| Loan loss allowance to noncurrent loans | 244.9953% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 1.4717% | 3,725 |
| Noncurrent loans to loans | 0.5325% | 6,086 |
| Net loans and leases to total assets | 81.8143% | 1,043 |
| Net loans and leases to deposits | 91.6727% | 2,653 |
| Net loans and leases to core deposits | 114.7853% | 2,927 |
| Total domestic deposits to total assets | 89.2461% | 1,120 |
| Equity capital to assets | 8.2027% | 6,534 |
| Core capital (leverage) ratio | 8.0858% | 6,320 |
| Tier 1 risk-based capital ratio | 9.6831% | 7,274 |
| Total risk-based capital ratio | 10.9337% | 7,186 |
| Memoranda: | ||
| Average total assets | $241,974,000 | 2,746 |
| Average earning assets | $218,639,500 | 2,781 |
| Average equity | $19,855,000 | 3,278 |
| Average total loans | $199,598,500 | 2,375 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0929% | 5,083 |
| Cost of funding earning assets | 3.2236% | 1,116 |
| Net interest margin | 2.8694% | 7,213 |
| Noninterest income to average assets | 0.6105% | 3,770 |
| Noninterest expense to average assets | 2.1826% | 7,010 |
| Loan and lease loss provision to assets | 0.6136% | 2,373 |
| Net operating income to assets | 0.2849% | 5,590 |
| Return on assets (ROA) | 0.2855% | 5,403 |
| Pretax return on assets | 0.4519% | 5,119 |
| Return on Equity (ROE) | 3.2884% | 5,125 |
| Retained earnings to average equity (ytd only) | 1.1862% | 4,522 |
| Net charge-offs to loans | 0.6330% | 1,944 |
| Credit loss provision to net charge-offs | 117.6667% | 4,574 |
| Earnings coverage of net charge-offs (x) | 2.0417% | 5,052 |
| Efficiency ratio | 67.2153% | 4,871 |
| Assets per employee ($millions) | 4.6497% | 2,402 |
| Cash dividends to net income (ytd only)* | 63.9269% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 4,446 |
| Loan loss allowance to noncurrent loans | 75.8599% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.7214% | 2,825 |
| Noncurrent loans to loans | 1.5968% | 3,375 |
| Net loans and leases to total assets | 81.0844% | 1,417 |
| Net loans and leases to deposits | 90.9146% | 3,301 |
| Net loans and leases to core deposits | 122.8045% | 2,416 |
| Total domestic deposits to total assets | 89.1875% | 968 |
| Equity capital to assets | 8.2081% | 6,537 |
| Core capital (leverage) ratio | 8.2125% | 6,143 |
| Tier 1 risk-based capital ratio | 9.7760% | 6,979 |
| Total risk-based capital ratio | 10.9733% | 6,960 |
| Memoranda: | ||
| Average total assets | $230,133,200 | 2,762 |
| Average earning assets | $211,474,200 | 2,756 |
| Average equity | $19,979,400 | 3,231 |
| Average total loans | $189,563,000 | 2,397 |