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Citizens National Bank, 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 | 6.5927% | 623 |
| Cost of funding earning assets | 2.0575% | 3,080 |
| Net interest margin | 4.5352% | 1,109 |
| Noninterest income to average assets | 0.1290% | 7,240 |
| Noninterest expense to average assets | 2.1935% | 6,994 |
| Loan and lease loss provision to assets | 0.4805% | 3,497 |
| Net operating income to assets | 1.0834% | 1,787 |
| Return on assets (ROA) | 1.0414% | 1,990 |
| Pretax return on assets | 1.6314% | 1,110 |
| Return on Equity (ROE) | 12.1882% | 1,310 |
| Retained earnings to average equity (ytd only) | 12.1882% | 326 |
| Net charge-offs to loans | 0.5726% | 2,961 |
| Credit loss provision to net charge-offs | 100.5089% | 5,049 |
| Earnings coverage of net charge-offs (x) | 4.5547% | 3,095 |
| Efficiency ratio | 50.1809% | 7,543 |
| Assets per employee ($millions) | 5.9118% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 4,625 |
| Loan loss allowance to noncurrent loans | 58.6189% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 2.3504% | 2,931 |
| Noncurrent loans to loans | 2.1807% | 3,407 |
| Net loans and leases to total assets | 73.7432% | 2,609 |
| Net loans and leases to deposits | 89.3442% | 2,709 |
| Net loans and leases to core deposits | 177.2787% | 204 |
| Total domestic deposits to total assets | 82.5383% | 4,428 |
| Equity capital to assets | 8.5093% | 6,239 |
| Core capital (leverage) ratio | 8.1008% | 6,180 |
| Tier 1 risk-based capital ratio | 9.1846% | 7,547 |
| Total risk-based capital ratio | 10.5365% | 7,489 |
| Memoranda: | ||
| Average total assets | $109,596,000 | 4,862 |
| Average earning assets | $102,515,000 | 4,803 |
| Average equity | $9,364,000 | 5,534 |
| Average total loans | $91,503,750 | 4,209 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6841% | 557 |
| Cost of funding earning assets | 2.2864% | 2,405 |
| Net interest margin | 4.3977% | 1,414 |
| Noninterest income to average assets | 0.0731% | 7,620 |
| Noninterest expense to average assets | 2.1815% | 7,102 |
| Loan and lease loss provision to assets | 0.3055% | 4,120 |
| Net operating income to assets | 1.0640% | 1,899 |
| Return on assets (ROA) | 1.0664% | 1,961 |
| Pretax return on assets | 1.6848% | 1,045 |
| Return on Equity (ROE) | 12.4621% | 1,296 |
| Retained earnings to average equity (ytd only) | 12.4621% | 383 |
| Net charge-offs to loans | 0.7865% | 2,107 |
| Credit loss provision to net charge-offs | 44.7802% | 5,830 |
| Earnings coverage of net charge-offs (x) | 2.9121% | 3,648 |
| Efficiency ratio | 52.3381% | 7,486 |
| Assets per employee ($millions) | 5.2773% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 6,017 |
| Loan loss allowance to noncurrent loans | 51.0756% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 2.3791% | 2,724 |
| Noncurrent loans to loans | 2.0179% | 3,490 |
| Net loans and leases to total assets | 84.2486% | 598 |
| Net loans and leases to deposits | 110.2554% | 539 |
| Net loans and leases to core deposits | 189.5889% | 161 |
| Total domestic deposits to total assets | 76.4122% | 6,463 |
| Equity capital to assets | 8.9459% | 5,389 |
| Core capital (leverage) ratio | 9.2608% | 4,223 |
| Tier 1 risk-based capital ratio | 10.3694% | 6,512 |
| Total risk-based capital ratio | 11.4316% | 6,663 |
| Memoranda: | ||
| Average total assets | $106,716,000 | 4,970 |
| Average earning assets | $99,370,330 | 4,907 |
| Average equity | $9,131,670 | 5,639 |
| Average total loans | $92,565,000 | 4,218 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5932% | 715 |
| Cost of funding earning assets | 2.4354% | 2,155 |
| Net interest margin | 4.1578% | 2,058 |
| Noninterest income to average assets | 0.2386% | 6,547 |
| Noninterest expense to average assets | 2.0689% | 7,193 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2888% | 1,406 |
| Return on assets (ROA) | 1.2936% | 1,491 |
| Pretax return on assets | 2.0466% | 608 |
| Return on Equity (ROE) | 15.4626% | 897 |
| Retained earnings to average equity (ytd only) | 15.4626% | 372 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3630% | 7,562 |
| Assets per employee ($millions) | 5.3664% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 4,728 |
| Loan loss allowance to noncurrent loans | 46.3786% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 2.9609% | 1,908 |
| Noncurrent loans to loans | 2.6116% | 2,525 |
| Net loans and leases to total assets | 90.1522% | 130 |
| Net loans and leases to deposits | 119.0486% | 313 |
| Net loans and leases to core deposits | 201.2237% | 138 |
| Total domestic deposits to total assets | 75.7272% | 6,570 |
| Equity capital to assets | 8.8719% | 5,522 |
| Core capital (leverage) ratio | 9.0175% | 4,679 |
| Tier 1 risk-based capital ratio | 10.0461% | 6,859 |
| Total risk-based capital ratio | 11.1536% | 6,927 |
| Memoranda: | ||
| Average total assets | $107,301,000 | 4,974 |
| Average earning assets | $99,860,500 | 4,920 |
| Average equity | $8,976,500 | 5,705 |
| Average total loans | $93,924,000 | 4,215 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6900% | 286 |
| Cost of funding earning assets | 2.4249% | 4,607 |
| Net interest margin | 5.2651% | 297 |
| Noninterest income to average assets | 0.4530% | 5,015 |
| Noninterest expense to average assets | 1.9563% | 7,526 |
| Loan and lease loss provision to assets | 0.6137% | 2,372 |
| Net operating income to assets | 1.8314% | 521 |
| Return on assets (ROA) | -2.0609% | 7,576 |
| Pretax return on assets | -3.1721% | 7,747 |
| Return on Equity (ROE) | -21.7006% | 7,797 |
| Retained earnings to average equity (ytd only) | -21.7006% | 7,726 |
| Net charge-offs to loans | 0.1757% | 4,441 |
| Credit loss provision to net charge-offs | 406.4103% | 1,082 |
| Earnings coverage of net charge-offs (x) | 22.7115% | 1,459 |
| Efficiency ratio | 36.3228% | 8,188 |
| Assets per employee ($millions) | 5.9284% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 4,632 |
| Loan loss allowance to noncurrent loans | 149.6680% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 1.3450% | 3,524 |
| Noncurrent loans to loans | 0.7943% | 5,053 |
| Net loans and leases to total assets | 83.1614% | 1,018 |
| Net loans and leases to deposits | 106.0717% | 1,116 |
| Net loans and leases to core deposits | 195.2538% | 185 |
| Total domestic deposits to total assets | 78.4011% | 5,580 |
| Equity capital to assets | 7.9075% | 6,959 |
| Core capital (leverage) ratio | 8.3214% | 5,913 |
| Tier 1 risk-based capital ratio | 9.3720% | 7,435 |
| Total risk-based capital ratio | 10.5183% | 7,486 |
| Memoranda: | ||
| Average total assets | $103,305,600 | 4,954 |
| Average earning assets | $96,788,600 | 4,897 |
| Average equity | $9,810,800 | 5,470 |
| Average total loans | $88,784,800 | 4,265 |