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Citizens National 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 | 7.3037% | 220 |
| Cost of funding earning assets | 3.9349% | 34 |
| Net interest margin | 3.3688% | 5,257 |
| Noninterest income to average assets | 0.5881% | 3,639 |
| Noninterest expense to average assets | 2.1841% | 6,910 |
| Loan and lease loss provision to assets | 0.0226% | 6,619 |
| Net operating income to assets | 1.2296% | 1,569 |
| Return on assets (ROA) | -3.8959% | 7,964 |
| Pretax return on assets | -3.8959% | 7,889 |
| Return on Equity (ROE) | -85.9567% | 8,133 |
| Retained earnings to average equity (ytd only) | -85.9567% | 8,125 |
| Net charge-offs to loans | 0.6975% | 1,791 |
| Credit loss provision to net charge-offs | 7.4627% | 5,217 |
| Earnings coverage of net charge-offs (x) | 4.1313% | 2,967 |
| Efficiency ratio | 60.6635% | 6,298 |
| Assets per employee ($millions) | 6.1769% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6530% | 2,302 |
| Loan loss allowance to noncurrent loans | 19.4981% | 7,194 |
| Noncurrent assets plus other real estate owned to assets | 4.3018% | 1,151 |
| Noncurrent loans to loans | 8.4779% | 404 |
| Net loans and leases to total assets | 42.1632% | 7,457 |
| Net loans and leases to deposits | 46.9752% | 7,626 |
| Net loans and leases to core deposits | 51.2663% | 7,750 |
| Total domestic deposits to total assets | 89.7562% | 908 |
| Equity capital to assets | 3.8095% | 8,170 |
| Core capital (leverage) ratio | 2.2070% | 8,218 |
| Tier 1 risk-based capital ratio | 3.4147% | 8,210 |
| Total risk-based capital ratio | 4.5533% | 8,213 |
| Memoranda: | ||
| Average total assets | $442,110,000 | 1,606 |
| Average earning assets | $373,785,000 | 1,736 |
| Average equity | $20,038,000 | 3,254 |
| Average total loans | $192,115,500 | 2,447 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2052% | 739 |
| Cost of funding earning assets | 4.0241% | 94 |
| Net interest margin | 3.1811% | 6,423 |
| Noninterest income to average assets | 0.4729% | 4,855 |
| Noninterest expense to average assets | 1.9280% | 7,567 |
| Loan and lease loss provision to assets | 1.1388% | 1,278 |
| Net operating income to assets | 0.2619% | 5,676 |
| Return on assets (ROA) | -3.0008% | 7,798 |
| Pretax return on assets | -3.0008% | 7,707 |
| Return on Equity (ROE) | -36.8458% | 8,044 |
| Retained earnings to average equity (ytd only) | -41.5308% | 8,065 |
| Net charge-offs to loans | 1.4291% | 817 |
| Credit loss provision to net charge-offs | 180.6017% | 2,784 |
| Earnings coverage of net charge-offs (x) | 2.2213% | 4,966 |
| Efficiency ratio | 54.9551% | 7,158 |
| Assets per employee ($millions) | 6.1897% | 1,041 |
| Cash dividends to net income (ytd only)* | -12.7153% | 7,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7420% | 1,793 |
| Loan loss allowance to noncurrent loans | 21.8305% | 7,149 |
| Noncurrent assets plus other real estate owned to assets | 4.1765% | 956 |
| Noncurrent loans to loans | 7.9796% | 337 |
| Net loans and leases to total assets | 43.2603% | 7,516 |
| Net loans and leases to deposits | 49.0826% | 7,668 |
| Net loans and leases to core deposits | 53.2686% | 7,817 |
| Total domestic deposits to total assets | 88.1378% | 1,409 |
| Equity capital to assets | 5.2437% | 8,159 |
| Core capital (leverage) ratio | 3.0403% | 8,276 |
| Tier 1 risk-based capital ratio | 3.9561% | 8,276 |
| Total risk-based capital ratio | 4.9565% | 8,280 |
| Memoranda: | ||
| Average total assets | $458,651,000 | 1,494 |
| Average earning assets | $411,742,400 | 1,520 |
| Average equity | $37,353,000 | 1,810 |
| Average total loans | $202,361,200 | 2,280 |