Home > Citizens National Bank > Performance and Condition Ratios
Citizens National Bank, Performance and Condition Ratios
| 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 | 4.8473% | 5,478 |
| Cost of funding earning assets | 1.4468% | 3,297 |
| Net interest margin | 3.4005% | 5,681 |
| Noninterest income to average assets | 0.5013% | 4,177 |
| Noninterest expense to average assets | 2.6522% | 5,105 |
| Loan and lease loss provision to assets | 0.3828% | 3,595 |
| Net operating income to assets | 0.4050% | 4,729 |
| Return on assets (ROA) | 0.4050% | 4,905 |
| Pretax return on assets | 0.4149% | 5,176 |
| Return on Equity (ROE) | 4.6685% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.6685% | 3,215 |
| Net charge-offs to loans | 0.0872% | 5,663 |
| Credit loss provision to net charge-offs | 704.5455% | 421 |
| Earnings coverage of net charge-offs (x) | 14.6833% | 1,493 |
| Efficiency ratio | 76.8790% | 2,782 |
| Assets per employee ($millions) | 3.4710% | 5,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 4,607 |
| Loan loss allowance to noncurrent loans | 312.5000% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 6,629 |
| Noncurrent loans to loans | 0.4395% | 6,318 |
| Net loans and leases to total assets | 66.9277% | 3,478 |
| Net loans and leases to deposits | 73.0441% | 4,683 |
| Net loans and leases to core deposits | 79.1217% | 4,641 |
| Total domestic deposits to total assets | 91.6264% | 271 |
| Equity capital to assets | 8.1855% | 6,624 |
| Core capital (leverage) ratio | 7.6323% | 6,737 |
| Tier 1 risk-based capital ratio | 9.6052% | 7,222 |
| Total risk-based capital ratio | 10.8190% | 7,231 |
| Memoranda: | ||
| Average total assets | $53,992,000 | 6,477 |
| Average earning assets | $46,815,250 | 6,565 |
| Average equity | $4,683,750 | 6,843 |
| Average total loans | $33,654,500 | 6,308 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7792% | 5,862 |
| Cost of funding earning assets | 1.4351% | 3,640 |
| Net interest margin | 3.3441% | 5,854 |
| Noninterest income to average assets | 0.5313% | 3,862 |
| Noninterest expense to average assets | 2.7446% | 4,720 |
| Loan and lease loss provision to assets | 0.5925% | 2,410 |
| Net operating income to assets | 0.0994% | 5,870 |
| Return on assets (ROA) | 0.0994% | 5,985 |
| Pretax return on assets | 0.1070% | 5,964 |
| Return on Equity (ROE) | 1.1219% | 5,911 |
| Retained earnings to average equity (ytd only) | 1.1219% | 5,313 |
| Net charge-offs to loans | 0.1776% | 4,543 |
| Credit loss provision to net charge-offs | 553.5714% | 667 |
| Earnings coverage of net charge-offs (x) | 6.5357% | 2,444 |
| Efficiency ratio | 79.6892% | 2,479 |
| Assets per employee ($millions) | 3.4981% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 3,787 |
| Loan loss allowance to noncurrent loans | 329.6970% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 6,674 |
| Noncurrent loans to loans | 0.4630% | 6,330 |
| Net loans and leases to total assets | 62.6961% | 4,534 |
| Net loans and leases to deposits | 68.5599% | 5,484 |
| Net loans and leases to core deposits | 73.0865% | 5,546 |
| Total domestic deposits to total assets | 91.4472% | 350 |
| Equity capital to assets | 8.3634% | 6,337 |
| Core capital (leverage) ratio | 7.8644% | 6,422 |
| Tier 1 risk-based capital ratio | 10.3812% | 6,778 |
| Total risk-based capital ratio | 11.6323% | 6,767 |
| Memoranda: | ||
| Average total assets | $52,320,330 | 6,571 |
| Average earning assets | $45,572,670 | 6,651 |
| Average equity | $4,635,000 | 6,893 |
| Average total loans | $31,525,330 | 6,459 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6907% | 6,275 |
| Cost of funding earning assets | 1.4818% | 3,681 |
| Net interest margin | 3.2089% | 6,267 |
| Noninterest income to average assets | 0.5307% | 3,811 |
| Noninterest expense to average assets | 2.8517% | 4,273 |
| Loan and lease loss provision to assets | 0.6337% | 2,002 |
| Net operating income to assets | -0.1584% | 6,491 |
| Return on assets (ROA) | -0.1584% | 6,565 |
| Pretax return on assets | -0.1584% | 6,514 |
| Return on Equity (ROE) | -1.7346% | 6,609 |
| Retained earnings to average equity (ytd only) | -1.7346% | 6,164 |
| Net charge-offs to loans | 0.3393% | 3,050 |
| Credit loss provision to net charge-offs | 320.0000% | 1,245 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 3,339 |
| Efficiency ratio | 85.7143% | 1,821 |
| Assets per employee ($millions) | 3.3190% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6724% | 3,165 |
| Loan loss allowance to noncurrent loans | 300.6369% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 6,739 |
| Noncurrent loans to loans | 0.5563% | 6,182 |
| Net loans and leases to total assets | 52.2578% | 6,244 |
| Net loans and leases to deposits | 57.3190% | 6,670 |
| Net loans and leases to core deposits | 59.6809% | 6,773 |
| Total domestic deposits to total assets | 91.1702% | 478 |
| Equity capital to assets | 8.6641% | 5,784 |
| Core capital (leverage) ratio | 8.1468% | 5,997 |
| Tier 1 risk-based capital ratio | 12.0319% | 5,167 |
| Total risk-based capital ratio | 13.4043% | 5,004 |
| Memoranda: | ||
| Average total assets | $50,495,500 | 6,721 |
| Average earning assets | $44,002,000 | 6,775 |
| Average equity | $4,612,000 | 6,970 |
| Average total loans | $29,470,500 | 6,633 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0625% | 6,221 |
| Cost of funding earning assets | 1.7437% | 4,281 |
| Net interest margin | 3.3188% | 5,670 |
| Noninterest income to average assets | 0.5859% | 3,744 |
| Noninterest expense to average assets | 2.9594% | 4,307 |
| Loan and lease loss provision to assets | 0.1061% | 6,578 |
| Net operating income to assets | 0.5711% | 3,438 |
| Return on assets (ROA) | 0.5711% | 3,516 |
| Pretax return on assets | 0.5711% | 3,983 |
| Return on Equity (ROE) | 5.9844% | 3,217 |
| Retained earnings to average equity (ytd only) | 5.9844% | 1,352 |
| Net charge-offs to loans | 0.4637% | 3,930 |
| Credit loss provision to net charge-offs | 35.9712% | 6,861 |
| Earnings coverage of net charge-offs (x) | 2.2950% | 4,005 |
| Efficiency ratio | 81.3777% | 2,686 |
| Assets per employee ($millions) | 3.1925% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 4,442 |
| Loan loss allowance to noncurrent loans | 239.6552% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 6,062 |
| Noncurrent loans to loans | 0.5664% | 6,110 |
| Net loans and leases to total assets | 63.2760% | 4,758 |
| Net loans and leases to deposits | 70.1656% | 5,583 |
| Net loans and leases to core deposits | 83.5959% | 5,756 |
| Total domestic deposits to total assets | 90.1811% | 889 |
| Equity capital to assets | 9.6540% | 4,210 |
| Core capital (leverage) ratio | 8.8809% | 4,620 |
| Tier 1 risk-based capital ratio | 11.4668% | 5,431 |
| Total risk-based capital ratio | 12.6165% | 5,496 |
| Memoranda: | ||
| Average total assets | $47,104,800 | 6,825 |
| Average earning assets | $43,298,400 | 6,799 |
| Average equity | $4,495,000 | 7,118 |
| Average total loans | $29,973,200 | 6,624 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0916% | 6,303 |
| Cost of funding earning assets | 1.8306% | 4,230 |
| Net interest margin | 3.2610% | 5,785 |
| Noninterest income to average assets | 0.5827% | 3,835 |
| Noninterest expense to average assets | 2.9219% | 4,361 |
| Loan and lease loss provision to assets | 0.1421% | 5,936 |
| Net operating income to assets | 0.5059% | 3,959 |
| Return on assets (ROA) | 0.5059% | 4,046 |
| Pretax return on assets | 0.5059% | 4,506 |
| Return on Equity (ROE) | 5.3177% | 3,829 |
| Retained earnings to average equity (ytd only) | 5.3177% | 2,302 |
| Net charge-offs to loans | 0.6088% | 2,849 |
| Credit loss provision to net charge-offs | 36.7647% | 6,456 |
| Earnings coverage of net charge-offs (x) | 1.6764% | 4,541 |
| Efficiency ratio | 81.8471% | 2,598 |
| Assets per employee ($millions) | 3.0610% | 6,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 4,231 |
| Loan loss allowance to noncurrent loans | 267.5159% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 5,930 |
| Noncurrent loans to loans | 0.5032% | 6,299 |
| Net loans and leases to total assets | 67.0347% | 4,176 |
| Net loans and leases to deposits | 74.6918% | 5,265 |
| Net loans and leases to core deposits | 86.0758% | 5,860 |
| Total domestic deposits to total assets | 89.7484% | 870 |
| Equity capital to assets | 9.9641% | 4,132 |
| Core capital (leverage) ratio | 8.7994% | 4,974 |
| Tier 1 risk-based capital ratio | 12.0297% | 4,946 |
| Total risk-based capital ratio | 13.2720% | 4,894 |
| Memoranda: | ||
| Average total assets | $46,909,250 | 6,877 |
| Average earning assets | $42,972,000 | 6,865 |
| Average equity | $4,463,000 | 7,195 |
| Average total loans | $29,787,000 | 6,692 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0800% | 6,510 |
| Cost of funding earning assets | 1.9050% | 4,233 |
| Net interest margin | 3.1750% | 6,002 |
| Noninterest income to average assets | 0.5377% | 4,128 |
| Noninterest expense to average assets | 2.8281% | 4,836 |
| Loan and lease loss provision to assets | 0.2117% | 4,928 |
| Net operating income to assets | 0.3980% | 4,521 |
| Return on assets (ROA) | 0.3980% | 4,630 |
| Pretax return on assets | 0.3980% | 4,938 |
| Return on Equity (ROE) | 4.2479% | 4,398 |
| Retained earnings to average equity (ytd only) | 4.2479% | 2,940 |
| Net charge-offs to loans | 0.8323% | 2,028 |
| Credit loss provision to net charge-offs | 40.9836% | 5,887 |
| Earnings coverage of net charge-offs (x) | 1.1803% | 4,642 |
| Efficiency ratio | 82.2660% | 2,694 |
| Assets per employee ($millions) | 3.1601% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 3,427 |
| Loan loss allowance to noncurrent loans | 328.7879% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.7974% | 5,398 |
| Noncurrent loans to loans | 0.4430% | 6,414 |
| Net loans and leases to total assets | 61.9383% | 5,367 |
| Net loans and leases to deposits | 68.6110% | 6,128 |
| Net loans and leases to core deposits | 80.4472% | 6,368 |
| Total domestic deposits to total assets | 90.2747% | 719 |
| Equity capital to assets | 9.4258% | 4,706 |
| Core capital (leverage) ratio | 8.4461% | 5,533 |
| Tier 1 risk-based capital ratio | 11.8397% | 5,061 |
| Total risk-based capital ratio | 13.0912% | 4,975 |
| Memoranda: | ||
| Average total assets | $47,240,670 | 6,932 |
| Average earning assets | $43,149,330 | 6,919 |
| Average equity | $4,425,670 | 7,266 |
| Average total loans | $29,316,330 | 6,773 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9964% | 6,937 |
| Cost of funding earning assets | 1.9799% | 4,239 |
| Net interest margin | 3.0165% | 6,435 |
| Noninterest income to average assets | 0.5344% | 4,031 |
| Noninterest expense to average assets | 2.6718% | 5,142 |
| Loan and lease loss provision to assets | 0.2545% | 3,931 |
| Net operating income to assets | 0.3478% | 5,078 |
| Return on assets (ROA) | 0.3478% | 5,260 |
| Pretax return on assets | 0.3478% | 5,539 |
| Return on Equity (ROE) | 3.7235% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.7235% | 3,832 |
| Net charge-offs to loans | 1.7333% | 834 |
| Credit loss provision to net charge-offs | 23.8095% | 5,028 |
| Earnings coverage of net charge-offs (x) | 0.5635% | 4,543 |
| Efficiency ratio | 81.6062% | 2,594 |
| Assets per employee ($millions) | 3.0267% | 6,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 2,861 |
| Loan loss allowance to noncurrent loans | 160.1563% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 1.5425% | 3,623 |
| Noncurrent loans to loans | 0.9499% | 5,099 |
| Net loans and leases to total assets | 54.8062% | 6,384 |
| Net loans and leases to deposits | 60.4937% | 6,856 |
| Net loans and leases to core deposits | 71.1155% | 6,956 |
| Total domestic deposits to total assets | 90.5982% | 554 |
| Equity capital to assets | 9.1684% | 5,122 |
| Core capital (leverage) ratio | 8.3349% | 5,838 |
| Tier 1 risk-based capital ratio | 12.2225% | 4,773 |
| Total risk-based capital ratio | 13.4724% | 4,682 |
| Memoranda: | ||
| Average total assets | $47,160,000 | 6,978 |
| Average earning assets | $42,831,000 | 6,984 |
| Average equity | $4,404,500 | 7,317 |
| Average total loans | $29,077,500 | 6,816 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9663% | 5,722 |
| Cost of funding earning assets | 2.5594% | 3,907 |
| Net interest margin | 3.4069% | 5,633 |
| Noninterest income to average assets | 0.6443% | 3,515 |
| Noninterest expense to average assets | 2.7434% | 5,081 |
| Loan and lease loss provision to assets | 0.7230% | 2,042 |
| Net operating income to assets | 0.2141% | 5,806 |
| Return on assets (ROA) | 0.2141% | 5,623 |
| Pretax return on assets | 0.2599% | 5,607 |
| Return on Equity (ROE) | 2.2493% | 5,522 |
| Retained earnings to average equity (ytd only) | -2.9148% | 6,085 |
| Net charge-offs to loans | 0.4548% | 2,558 |
| Credit loss provision to net charge-offs | 220.6667% | 2,171 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 4,586 |
| Efficiency ratio | 73.6225% | 3,640 |
| Assets per employee ($millions) | 3.0595% | 5,898 |
| Cash dividends to net income (ytd only)* | 229.5918% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6216% | 2,152 |
| Loan loss allowance to noncurrent loans | 55.2402% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 2.3947% | 2,027 |
| Noncurrent loans to loans | 2.9355% | 1,830 |
| Net loans and leases to total assets | 66.8904% | 4,660 |
| Net loans and leases to deposits | 74.1462% | 5,827 |
| Net loans and leases to core deposits | 87.5685% | 6,011 |
| Total domestic deposits to total assets | 90.2142% | 572 |
| Equity capital to assets | 9.5200% | 4,656 |
| Core capital (leverage) ratio | 8.6399% | 5,303 |
| Tier 1 risk-based capital ratio | 10.9589% | 5,759 |
| Total risk-based capital ratio | 12.2101% | 5,669 |
| Memoranda: | ||
| Average total assets | $45,782,800 | 6,947 |
| Average earning assets | $41,416,200 | 6,971 |
| Average equity | $4,357,000 | 7,371 |
| Average total loans | $32,978,000 | 6,551 |