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Citizens First Bank, Performance and Condition Ratios
| 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 | 4.7727% | 5,994 |
| Cost of funding earning assets | 1.3065% | 4,776 |
| Net interest margin | 3.4663% | 5,303 |
| Noninterest income to average assets | 0.6044% | 3,253 |
| Noninterest expense to average assets | 2.0140% | 7,135 |
| Loan and lease loss provision to assets | 2.4211% | 438 |
| Net operating income to assets | -0.2684% | 6,624 |
| Return on assets (ROA) | -0.2684% | 6,685 |
| Pretax return on assets | -0.5097% | 6,791 |
| Return on Equity (ROE) | -3.1238% | 6,747 |
| Retained earnings to average equity (ytd only) | -3.1238% | 6,375 |
| Net charge-offs to loans | 1.7001% | 1,018 |
| Credit loss provision to net charge-offs | 170.5322% | 2,133 |
| Earnings coverage of net charge-offs (x) | 1.3463% | 3,938 |
| Efficiency ratio | 50.9911% | 7,244 |
| Assets per employee ($millions) | 8.3341% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7318% | 1,053 |
| Loan loss allowance to noncurrent loans | 89.6831% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 2.6515% | 2,746 |
| Noncurrent loans to loans | 3.0460% | 2,632 |
| Net loans and leases to total assets | 81.1746% | 689 |
| Net loans and leases to deposits | 99.3924% | 801 |
| Net loans and leases to core deposits | 133.8373% | 408 |
| Total domestic deposits to total assets | 81.6709% | 5,206 |
| Equity capital to assets | 8.6775% | 5,763 |
| Core capital (leverage) ratio | 8.4964% | 5,383 |
| Tier 1 risk-based capital ratio | 10.9433% | 6,213 |
| Total risk-based capital ratio | 12.2138% | 6,165 |
| Memoranda: | ||
| Average total assets | $354,718,500 | 1,933 |
| Average earning assets | $339,848,000 | 1,840 |
| Average equity | $30,475,500 | 2,194 |
| Average total loans | $296,209,500 | 1,589 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8734% | 6,773 |
| Cost of funding earning assets | 1.6000% | 5,025 |
| Net interest margin | 3.2733% | 5,845 |
| Noninterest income to average assets | 0.4326% | 4,933 |
| Noninterest expense to average assets | 1.8944% | 7,515 |
| Loan and lease loss provision to assets | 1.2603% | 1,832 |
| Net operating income to assets | 0.3010% | 4,535 |
| Return on assets (ROA) | 0.3229% | 4,528 |
| Pretax return on assets | 0.4686% | 4,291 |
| Return on Equity (ROE) | 4.0059% | 4,092 |
| Retained earnings to average equity (ytd only) | -5.2979% | 6,061 |
| Net charge-offs to loans | 0.2588% | 5,001 |
| Credit loss provision to net charge-offs | 568.1122% | 527 |
| Earnings coverage of net charge-offs (x) | 7.6505% | 2,107 |
| Efficiency ratio | 52.2414% | 7,366 |
| Assets per employee ($millions) | 8.5572% | 407 |
| Cash dividends to net income (ytd only)* | 232.2524% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3616% | 1,400 |
| Loan loss allowance to noncurrent loans | 90.5285% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 2.2187% | 3,100 |
| Noncurrent loans to loans | 2.6087% | 2,948 |
| Net loans and leases to total assets | 81.5820% | 751 |
| Net loans and leases to deposits | 105.1151% | 596 |
| Net loans and leases to core deposits | 145.4799% | 623 |
| Total domestic deposits to total assets | 77.6121% | 6,319 |
| Equity capital to assets | 8.5077% | 5,865 |
| Core capital (leverage) ratio | 8.3590% | 5,520 |
| Tier 1 risk-based capital ratio | 10.7206% | 6,185 |
| Total risk-based capital ratio | 11.9863% | 6,150 |
| Memoranda: | ||
| Average total assets | $353,406,800 | 1,921 |
| Average earning assets | $341,058,600 | 1,828 |
| Average equity | $28,483,200 | 2,335 |
| Average total loans | $302,973,400 | 1,582 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8761% | 6,945 |
| Cost of funding earning assets | 1.6461% | 5,180 |
| Net interest margin | 3.2300% | 5,916 |
| Noninterest income to average assets | 0.3849% | 5,437 |
| Noninterest expense to average assets | 1.9039% | 7,543 |
| Loan and lease loss provision to assets | 1.2257% | 1,584 |
| Net operating income to assets | 0.2598% | 4,949 |
| Return on assets (ROA) | 0.2891% | 4,935 |
| Pretax return on assets | 0.4217% | 4,736 |
| Return on Equity (ROE) | 3.6385% | 4,523 |
| Retained earnings to average equity (ytd only) | -8.9984% | 6,704 |
| Net charge-offs to loans | 0.2007% | 4,802 |
| Credit loss provision to net charge-offs | 707.8775% | 528 |
| Earnings coverage of net charge-offs (x) | 9.2691% | 2,128 |
| Efficiency ratio | 53.7091% | 7,267 |
| Assets per employee ($millions) | 9.4095% | 317 |
| Cash dividends to net income (ytd only)* | 347.3130% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0494% | 1,687 |
| Loan loss allowance to noncurrent loans | 97.9463% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 1.7912% | 3,666 |
| Noncurrent loans to loans | 2.0924% | 3,512 |
| Net loans and leases to total assets | 80.7505% | 1,030 |
| Net loans and leases to deposits | 103.4235% | 816 |
| Net loans and leases to core deposits | 138.9472% | 969 |
| Total domestic deposits to total assets | 78.0775% | 6,068 |
| Equity capital to assets | 8.2601% | 6,545 |
| Core capital (leverage) ratio | 8.0991% | 6,186 |
| Tier 1 risk-based capital ratio | 10.5783% | 6,372 |
| Total risk-based capital ratio | 11.8401% | 6,330 |
| Memoranda: | ||
| Average total assets | $351,907,500 | 1,941 |
| Average earning assets | $340,345,250 | 1,849 |
| Average equity | $27,959,750 | 2,393 |
| Average total loans | $303,641,500 | 1,597 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 7,049 |
| Cost of funding earning assets | 1.6840% | 5,349 |
| Net interest margin | 3.2071% | 5,891 |
| Noninterest income to average assets | 0.3142% | 5,995 |
| Noninterest expense to average assets | 1.9614% | 7,533 |
| Loan and lease loss provision to assets | 0.7541% | 2,180 |
| Net operating income to assets | 0.4538% | 4,277 |
| Return on assets (ROA) | 0.4538% | 4,387 |
| Pretax return on assets | 0.6994% | 3,992 |
| Return on Equity (ROE) | 5.7919% | 3,753 |
| Retained earnings to average equity (ytd only) | -7.7496% | 6,642 |
| Net charge-offs to loans | 0.1204% | 4,957 |
| Credit loss provision to net charge-offs | 714.7541% | 665 |
| Earnings coverage of net charge-offs (x) | 13.7760% | 1,707 |
| Efficiency ratio | 56.8631% | 7,010 |
| Assets per employee ($millions) | 8.6384% | 398 |
| Cash dividends to net income (ytd only)* | 233.7992% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 3,319 |
| Loan loss allowance to noncurrent loans | 69.4729% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.8040% | 3,466 |
| Noncurrent loans to loans | 2.1256% | 3,343 |
| Net loans and leases to total assets | 83.6158% | 691 |
| Net loans and leases to deposits | 106.1934% | 753 |
| Net loans and leases to core deposits | 142.5176% | 911 |
| Total domestic deposits to total assets | 78.7392% | 5,882 |
| Equity capital to assets | 7.2847% | 7,424 |
| Core capital (leverage) ratio | 7.3537% | 7,187 |
| Tier 1 risk-based capital ratio | 9.1215% | 7,628 |
| Total risk-based capital ratio | 10.3759% | 7,636 |
| Memoranda: | ||
| Average total assets | $346,886,670 | 1,994 |
| Average earning assets | $335,383,000 | 1,891 |
| Average equity | $27,175,670 | 2,460 |
| Average total loans | $304,012,000 | 1,626 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 7,002 |
| Cost of funding earning assets | 1.7187% | 5,522 |
| Net interest margin | 3.2546% | 5,676 |
| Noninterest income to average assets | 0.5641% | 3,803 |
| Noninterest expense to average assets | 1.8305% | 7,660 |
| Loan and lease loss provision to assets | 0.4272% | 2,787 |
| Net operating income to assets | 0.9123% | 2,648 |
| Return on assets (ROA) | 0.9123% | 2,793 |
| Pretax return on assets | 1.4576% | 1,794 |
| Return on Equity (ROE) | 11.2238% | 1,906 |
| Retained earnings to average equity (ytd only) | -1.6843% | 6,035 |
| Net charge-offs to loans | 0.2092% | 3,384 |
| Credit loss provision to net charge-offs | 229.1139% | 1,997 |
| Earnings coverage of net charge-offs (x) | 10.1076% | 1,978 |
| Efficiency ratio | 48.7294% | 7,684 |
| Assets per employee ($millions) | 7.4633% | 634 |
| Cash dividends to net income (ytd only)* | 115.0065% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 4,780 |
| Loan loss allowance to noncurrent loans | 58.1369% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 1.8907% | 3,073 |
| Noncurrent loans to loans | 2.0699% | 3,165 |
| Net loans and leases to total assets | 86.7123% | 366 |
| Net loans and leases to deposits | 112.7766% | 490 |
| Net loans and leases to core deposits | 153.7149% | 606 |
| Total domestic deposits to total assets | 76.8885% | 6,307 |
| Equity capital to assets | 8.0070% | 6,797 |
| Core capital (leverage) ratio | 7.9758% | 6,500 |
| Tier 1 risk-based capital ratio | 9.6009% | 7,339 |
| Total risk-based capital ratio | 10.8517% | 7,275 |
| Memoranda: | ||
| Average total assets | $338,923,000 | 2,052 |
| Average earning assets | $328,146,000 | 1,928 |
| Average equity | $27,548,500 | 2,452 |
| Average total loans | $302,059,500 | 1,659 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9579% | 5,764 |
| Cost of funding earning assets | 2.3744% | 4,836 |
| Net interest margin | 3.5835% | 4,959 |
| Noninterest income to average assets | 0.5323% | 4,379 |
| Noninterest expense to average assets | 1.8865% | 7,638 |
| Loan and lease loss provision to assets | 0.7524% | 1,982 |
| Net operating income to assets | 0.8382% | 3,274 |
| Return on assets (ROA) | 0.8382% | 3,113 |
| Pretax return on assets | 1.3381% | 2,176 |
| Return on Equity (ROE) | 10.2532% | 2,170 |
| Retained earnings to average equity (ytd only) | 0.4524% | 4,975 |
| Net charge-offs to loans | 0.6917% | 1,772 |
| Credit loss provision to net charge-offs | 120.9552% | 4,437 |
| Earnings coverage of net charge-offs (x) | 3.3606% | 4,402 |
| Efficiency ratio | 46.7795% | 7,883 |
| Assets per employee ($millions) | 7.1178% | 671 |
| Cash dividends to net income (ytd only)* | 95.5877% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 5,062 |
| Loan loss allowance to noncurrent loans | 152.0889% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 4,978 |
| Noncurrent loans to loans | 0.7431% | 5,172 |
| Net loans and leases to total assets | 89.4908% | 235 |
| Net loans and leases to deposits | 124.8094% | 289 |
| Net loans and leases to core deposits | 165.6939% | 480 |
| Total domestic deposits to total assets | 71.7020% | 7,056 |
| Equity capital to assets | 8.2526% | 6,479 |
| Core capital (leverage) ratio | 8.2348% | 6,093 |
| Tier 1 risk-based capital ratio | 9.8082% | 6,949 |
| Total risk-based capital ratio | 11.0582% | 6,842 |
| Memoranda: | ||
| Average total assets | $329,869,800 | 2,026 |
| Average earning assets | $317,093,400 | 1,923 |
| Average equity | $26,967,200 | 2,481 |
| Average total loans | $296,679,800 | 1,627 |