Home > Citizens National Bank of Breckenridge > Performance and Condition Ratios
Citizens National Bank of Breckenridge, 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 | 4.7574% | 5,828 |
| Cost of funding earning assets | 0.8214% | 6,681 |
| Net interest margin | 3.9360% | 3,376 |
| Noninterest income to average assets | 0.4779% | 4,345 |
| Noninterest expense to average assets | 1.9428% | 7,144 |
| Loan and lease loss provision to assets | 0.0915% | 6,123 |
| Net operating income to assets | 2.1124% | 280 |
| Return on assets (ROA) | 2.1124% | 300 |
| Pretax return on assets | 2.1124% | 491 |
| Return on Equity (ROE) | 20.3127% | 295 |
| Retained earnings to average equity (ytd only) | 4.7094% | 3,184 |
| Net charge-offs to loans | 0.1286% | 5,263 |
| Credit loss provision to net charge-offs | 83.7838% | 5,012 |
| Earnings coverage of net charge-offs (x) | 20.1900% | 1,180 |
| Efficiency ratio | 46.8517% | 7,347 |
| Assets per employee ($millions) | 5.4908% | 1,628 |
| Cash dividends to net income (ytd only)* | 76.8155% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 6,222 |
| Loan loss allowance to noncurrent loans | 27.9386% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 4.6023% | 1,463 |
| Noncurrent loans to loans | 3.7203% | 2,091 |
| Net loans and leases to total assets | 81.7010% | 533 |
| Net loans and leases to deposits | 91.3920% | 1,524 |
| Net loans and leases to core deposits | 94.8097% | 2,408 |
| Total domestic deposits to total assets | 89.3962% | 1,176 |
| Equity capital to assets | 10.3456% | 3,705 |
| Core capital (leverage) ratio | 10.4801% | 2,711 |
| Tier 1 risk-based capital ratio | 12.0779% | 5,380 |
| Total risk-based capital ratio | 13.0797% | 5,591 |
| Memoranda: | ||
| Average total assets | $90,384,000 | 5,343 |
| Average earning assets | $84,246,250 | 5,260 |
| Average equity | $9,399,500 | 5,375 |
| Average total loans | $76,744,250 | 4,503 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 5,874 |
| Cost of funding earning assets | 0.8154% | 6,862 |
| Net interest margin | 3.9618% | 3,198 |
| Noninterest income to average assets | 0.4877% | 4,213 |
| Noninterest expense to average assets | 1.9419% | 7,196 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.2305% | 217 |
| Return on assets (ROA) | 2.2305% | 237 |
| Pretax return on assets | 2.2305% | 387 |
| Return on Equity (ROE) | 21.4094% | 236 |
| Retained earnings to average equity (ytd only) | -2.2118% | 6,181 |
| Net charge-offs to loans | 0.0287% | 5,935 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 90.6364% | 364 |
| Efficiency ratio | 46.5416% | 7,415 |
| Assets per employee ($millions) | 5.0546% | 2,114 |
| Cash dividends to net income (ytd only)* | 110.3310% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 6,157 |
| Loan loss allowance to noncurrent loans | 77.5629% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 2.7071% | 2,669 |
| Noncurrent loans to loans | 1.3613% | 4,671 |
| Net loans and leases to total assets | 82.6064% | 477 |
| Net loans and leases to deposits | 92.1685% | 1,504 |
| Net loans and leases to core deposits | 94.6609% | 2,626 |
| Total domestic deposits to total assets | 89.6254% | 1,111 |
| Equity capital to assets | 10.1361% | 3,848 |
| Core capital (leverage) ratio | 10.3179% | 2,808 |
| Tier 1 risk-based capital ratio | 11.7160% | 5,571 |
| Total risk-based capital ratio | 12.7349% | 5,756 |
| Memoranda: | ||
| Average total assets | $89,397,330 | 5,413 |
| Average earning assets | $83,145,000 | 5,328 |
| Average equity | $9,313,670 | 5,410 |
| Average total loans | $76,637,670 | 4,551 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2767% | 3,657 |
| Cost of funding earning assets | 0.8122% | 7,051 |
| Net interest margin | 4.4645% | 1,222 |
| Noninterest income to average assets | 0.4650% | 4,339 |
| Noninterest expense to average assets | 2.0405% | 7,083 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.5687% | 137 |
| Return on assets (ROA) | 2.5687% | 150 |
| Pretax return on assets | 2.5687% | 229 |
| Return on Equity (ROE) | 24.3175% | 178 |
| Retained earnings to average equity (ytd only) | 2.9489% | 4,361 |
| Net charge-offs to loans | -0.0156% | 7,013 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2703% | 7,614 |
| Assets per employee ($millions) | 4.9381% | 2,319 |
| Cash dividends to net income (ytd only)* | 87.8735% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 6,313 |
| Loan loss allowance to noncurrent loans | 194.2857% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 2.1713% | 3,312 |
| Noncurrent loans to loans | 0.5317% | 6,227 |
| Net loans and leases to total assets | 87.9430% | 126 |
| Net loans and leases to deposits | 98.6036% | 855 |
| Net loans and leases to core deposits | 101.0118% | 2,031 |
| Total domestic deposits to total assets | 89.1884% | 1,422 |
| Equity capital to assets | 10.5686% | 3,179 |
| Core capital (leverage) ratio | 10.6613% | 2,482 |
| Tier 1 risk-based capital ratio | 11.2550% | 5,897 |
| Total risk-based capital ratio | 12.2327% | 6,142 |
| Memoranda: | ||
| Average total assets | $88,605,000 | 5,491 |
| Average earning assets | $82,248,500 | 5,431 |
| Average equity | $9,359,500 | 5,435 |
| Average total loans | $76,977,000 | 4,606 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3733% | 4,819 |
| Cost of funding earning assets | 0.9898% | 7,227 |
| Net interest margin | 4.3836% | 1,483 |
| Noninterest income to average assets | 0.4546% | 4,765 |
| Noninterest expense to average assets | 1.9548% | 7,434 |
| Loan and lease loss provision to assets | 0.3031% | 5,010 |
| Net operating income to assets | 2.3059% | 118 |
| Return on assets (ROA) | 2.3059% | 130 |
| Pretax return on assets | 2.3059% | 222 |
| Return on Equity (ROE) | 21.7338% | 174 |
| Retained earnings to average equity (ytd only) | -4.4701% | 5,939 |
| Net charge-offs to loans | 0.4758% | 3,877 |
| Credit loss provision to net charge-offs | 71.8346% | 6,454 |
| Earnings coverage of net charge-offs (x) | 6.1835% | 2,420 |
| Efficiency ratio | 42.8333% | 7,805 |
| Assets per employee ($millions) | 4.6486% | 2,687 |
| Cash dividends to net income (ytd only)* | 120.5674% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 5,973 |
| Loan loss allowance to noncurrent loans | 200.7407% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 2.1931% | 3,140 |
| Noncurrent loans to loans | 0.5402% | 6,169 |
| Net loans and leases to total assets | 83.9591% | 436 |
| Net loans and leases to deposits | 94.1604% | 1,574 |
| Net loans and leases to core deposits | 116.4913% | 2,266 |
| Total domestic deposits to total assets | 89.1660% | 1,401 |
| Equity capital to assets | 10.5577% | 3,119 |
| Core capital (leverage) ratio | 10.1429% | 2,958 |
| Tier 1 risk-based capital ratio | 11.6774% | 5,221 |
| Total risk-based capital ratio | 12.6955% | 5,420 |
| Memoranda: | ||
| Average total assets | $91,722,200 | 5,346 |
| Average earning assets | $85,980,400 | 5,263 |
| Average equity | $9,731,400 | 5,371 |
| Average total loans | $81,340,800 | 4,465 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2888% | 5,494 |
| Cost of funding earning assets | 1.0240% | 7,335 |
| Net interest margin | 4.2648% | 1,823 |
| Noninterest income to average assets | 0.4263% | 5,078 |
| Noninterest expense to average assets | 1.9242% | 7,506 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.5090% | 103 |
| Return on assets (ROA) | 2.5090% | 112 |
| Pretax return on assets | 2.5090% | 188 |
| Return on Equity (ROE) | 23.6206% | 147 |
| Retained earnings to average equity (ytd only) | 1.2474% | 4,626 |
| Net charge-offs to loans | 0.0225% | 6,578 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 124.4033% | 301 |
| Efficiency ratio | 43.4048% | 7,852 |
| Assets per employee ($millions) | 5.1258% | 1,993 |
| Cash dividends to net income (ytd only)* | 94.7189% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 5,743 |
| Loan loss allowance to noncurrent loans | 507.2626% | 629 |
| Noncurrent assets plus other real estate owned to assets | 1.8436% | 3,590 |
| Noncurrent loans to loans | 0.2163% | 6,956 |
| Net loans and leases to total assets | 88.6911% | 164 |
| Net loans and leases to deposits | 102.5709% | 877 |
| Net loans and leases to core deposits | 126.6424% | 1,690 |
| Total domestic deposits to total assets | 86.4682% | 2,442 |
| Equity capital to assets | 10.6781% | 3,315 |
| Core capital (leverage) ratio | 10.7806% | 2,572 |
| Tier 1 risk-based capital ratio | 11.2992% | 5,639 |
| Total risk-based capital ratio | 12.3406% | 5,818 |
| Memoranda: | ||
| Average total assets | $92,571,750 | 5,348 |
| Average earning assets | $86,973,500 | 5,267 |
| Average equity | $9,833,000 | 5,384 |
| Average total loans | $82,933,750 | 4,454 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1780% | 6,152 |
| Cost of funding earning assets | 1.0686% | 7,436 |
| Net interest margin | 4.1094% | 2,289 |
| Noninterest income to average assets | 0.4014% | 5,270 |
| Noninterest expense to average assets | 1.9121% | 7,611 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.3566% | 142 |
| Return on assets (ROA) | 2.3566% | 158 |
| Pretax return on assets | 2.3566% | 273 |
| Return on Equity (ROE) | 22.2252% | 227 |
| Retained earnings to average equity (ytd only) | -1.1805% | 5,529 |
| Net charge-offs to loans | 0.0145% | 6,335 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 182.0000% | 224 |
| Efficiency ratio | 44.7927% | 7,896 |
| Assets per employee ($millions) | 4.4506% | 2,835 |
| Cash dividends to net income (ytd only)* | 105.3114% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 5,149 |
| Loan loss allowance to noncurrent loans | 257.0225% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 2.0784% | 3,089 |
| Noncurrent loans to loans | 0.4551% | 6,385 |
| Net loans and leases to total assets | 86.8490% | 310 |
| Net loans and leases to deposits | 97.8198% | 1,546 |
| Net loans and leases to core deposits | 121.1560% | 2,264 |
| Total domestic deposits to total assets | 88.7847% | 1,385 |
| Equity capital to assets | 10.8997% | 3,020 |
| Core capital (leverage) ratio | 10.8326% | 2,541 |
| Tier 1 risk-based capital ratio | 11.7150% | 5,181 |
| Total risk-based capital ratio | 12.8198% | 5,244 |
| Memoranda: | ||
| Average total assets | $92,674,330 | 5,379 |
| Average earning assets | $87,215,000 | 5,290 |
| Average equity | $9,826,670 | 5,414 |
| Average total loans | $82,999,000 | 4,499 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1501% | 6,488 |
| Cost of funding earning assets | 1.1180% | 7,488 |
| Net interest margin | 4.0321% | 2,528 |
| Noninterest income to average assets | 0.3555% | 5,602 |
| Noninterest expense to average assets | 1.7904% | 7,711 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.3660% | 167 |
| Return on assets (ROA) | 2.3660% | 200 |
| Pretax return on assets | 2.3660% | 323 |
| Return on Equity (ROE) | 22.6110% | 280 |
| Retained earnings to average equity (ytd only) | 10.4763% | 1,081 |
| Net charge-offs to loans | 0.0094% | 5,522 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 279.5000% | 146 |
| Efficiency ratio | 43.0754% | 7,966 |
| Assets per employee ($millions) | 4.5886% | 2,579 |
| Cash dividends to net income (ytd only)* | 53.6673% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 5,007 |
| Loan loss allowance to noncurrent loans | 59.9869% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.8873% | 3,078 |
| Noncurrent loans to loans | 1.9435% | 3,350 |
| Net loans and leases to total assets | 84.8930% | 560 |
| Net loans and leases to deposits | 95.6372% | 2,001 |
| Net loans and leases to core deposits | 117.6716% | 2,628 |
| Total domestic deposits to total assets | 88.7656% | 1,353 |
| Equity capital to assets | 10.9162% | 3,047 |
| Core capital (leverage) ratio | 10.5563% | 2,862 |
| Tier 1 risk-based capital ratio | 12.2459% | 4,747 |
| Total risk-based capital ratio | 13.3693% | 4,759 |
| Memoranda: | ||
| Average total assets | $94,505,500 | 5,356 |
| Average earning assets | $89,085,500 | 5,255 |
| Average equity | $9,889,000 | 5,416 |
| Average total loans | $85,388,000 | 4,445 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1529% | 4,761 |
| Cost of funding earning assets | 1.8099% | 6,979 |
| Net interest margin | 4.3431% | 1,846 |
| Noninterest income to average assets | 0.3749% | 5,695 |
| Noninterest expense to average assets | 1.5261% | 8,024 |
| Loan and lease loss provision to assets | 0.2955% | 4,021 |
| Net operating income to assets | 2.6169% | 101 |
| Return on assets (ROA) | 2.6169% | 104 |
| Pretax return on assets | 2.6169% | 155 |
| Return on Equity (ROE) | 26.8354% | 102 |
| Retained earnings to average equity (ytd only) | 12.1742% | 218 |
| Net charge-offs to loans | 0.0048% | 6,917 |
| Credit loss provision to net charge-offs | 6,975.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 687.5000% | 81 |
| Efficiency ratio | 34.3832% | 8,207 |
| Assets per employee ($millions) | 5.4022% | 1,533 |
| Cash dividends to net income (ytd only)* | 54.6338% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 6,026 |
| Loan loss allowance to noncurrent loans | 2,491.8919% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 6,605 |
| Noncurrent loans to loans | 0.0402% | 7,343 |
| Net loans and leases to total assets | 93.6116% | 38 |
| Net loans and leases to deposits | 104.4582% | 1,296 |
| Net loans and leases to core deposits | 126.6886% | 2,113 |
| Total domestic deposits to total assets | 89.6163% | 800 |
| Equity capital to assets | 10.0371% | 3,991 |
| Core capital (leverage) ratio | 10.0412% | 3,406 |
| Tier 1 risk-based capital ratio | 10.2932% | 6,431 |
| Total risk-based capital ratio | 11.2656% | 6,596 |
| Memoranda: | ||
| Average total assets | $94,423,800 | 5,214 |
| Average earning assets | $88,348,000 | 5,135 |
| Average equity | $9,208,000 | 5,670 |
| Average total loans | $83,928,200 | 4,399 |