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Citizens Community Bank, Performance and Condition Ratios
| 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 | 5.1711% | 6,408 |
| Cost of funding earning assets | 3.8680% | 47 |
| Net interest margin | 1.3031% | 8,108 |
| Noninterest income to average assets | 6.1022% | 112 |
| Noninterest expense to average assets | 10.9049% | 98 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -3.6161% | 7,934 |
| Return on assets (ROA) | -3.6161% | 7,926 |
| Pretax return on assets | -3.6161% | 7,857 |
| Return on Equity (ROE) | 3,200.0000% | 3 |
| Retained earnings to average equity (ytd only) | 3,200.0000% | 3 |
| 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 | 149.6124% | 354 |
| Assets per employee ($millions) | 2.9041% | 6,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8798% | 543 |
| Loan loss allowance to noncurrent loans | 12.1605% | 7,480 |
| Noncurrent assets plus other real estate owned to assets | 19.4358% | 37 |
| Noncurrent loans to loans | 23.6811% | 27 |
| Net loans and leases to total assets | 67.6046% | 4,223 |
| Net loans and leases to deposits | 67.5930% | 6,222 |
| Net loans and leases to core deposits | 107.2624% | 3,769 |
| Total domestic deposits to total assets | 100.0172% | 6 |
| Equity capital to assets | -0.5829% | 8,238 |
| Core capital (leverage) ratio | -1.4265% | 8,241 |
| Tier 1 risk-based capital ratio | -2.0948% | 8,241 |
| Total risk-based capital ratio | -2.0948% | 8,241 |
| Memoranda: | ||
| Average total assets | $42,476,500 | 7,146 |
| Average earning assets | $38,676,500 | 7,137 |
| Average equity | $-48,000 | 8,243 |
| Average total loans | $29,652,000 | 6,790 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8234% | 7,937 |
| Cost of funding earning assets | 3.9095% | 136 |
| Net interest margin | 0.9139% | 8,238 |
| Noninterest income to average assets | 18.4537% | 49 |
| Noninterest expense to average assets | 24.0627% | 43 |
| Loan and lease loss provision to assets | 1.0009% | 1,472 |
| Net operating income to assets | -5.7612% | 8,136 |
| Return on assets (ROA) | -5.5854% | 8,117 |
| Pretax return on assets | -5.5854% | 8,070 |
| Return on Equity (ROE) | -160.6262% | 8,297 |
| Retained earnings to average equity (ytd only) | -160.6262% | 8,296 |
| Net charge-offs to loans | 5.1774% | 94 |
| Credit loss provision to net charge-offs | 27.1039% | 6,550 |
| Earnings coverage of net charge-offs (x) | -1.2890% | 6,637 |
| Efficiency ratio | 124.6613% | 519 |
| Assets per employee ($millions) | 0.2804% | 8,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6288% | 594 |
| Loan loss allowance to noncurrent loans | 14.5250% | 7,413 |
| Noncurrent assets plus other real estate owned to assets | 14.8117% | 61 |
| Noncurrent loans to loans | 18.0982% | 48 |
| Net loans and leases to total assets | 68.1506% | 4,441 |
| Net loans and leases to deposits | 69.0595% | 6,371 |
| Net loans and leases to core deposits | 109.2541% | 3,833 |
| Total domestic deposits to total assets | 98.6839% | 4 |
| Equity capital to assets | 0.3183% | 8,296 |
| Core capital (leverage) ratio | 0.2722% | 8,298 |
| Tier 1 risk-based capital ratio | 0.3801% | 8,298 |
| Total risk-based capital ratio | 0.7603% | 8,298 |
| Memoranda: | ||
| Average total assets | $46,657,200 | 6,911 |
| Average earning assets | $43,330,200 | 6,880 |
| Average equity | $1,622,400 | 8,195 |
| Average total loans | $33,279,400 | 6,523 |