Home > Citizens National Bank of Springfield > Performance and Condition Ratios
Citizens National Bank of Springfield, 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 | 4.7035% | 6,003 |
| Cost of funding earning assets | 2.1768% | 410 |
| Net interest margin | 2.5267% | 7,357 |
| Noninterest income to average assets | -0.7181% | 7,708 |
| Noninterest expense to average assets | 2.5915% | 5,360 |
| Loan and lease loss provision to assets | 0.8040% | 1,891 |
| Net operating income to assets | -1.8558% | 7,200 |
| Return on assets (ROA) | -1.8558% | 7,212 |
| Pretax return on assets | -1.8598% | 7,154 |
| Return on Equity (ROE) | -32.1460% | 7,415 |
| Retained earnings to average equity (ytd only) | -32.1460% | 7,409 |
| Net charge-offs to loans | 1.7597% | 1,107 |
| Credit loss provision to net charge-offs | 70.9849% | 5,388 |
| Earnings coverage of net charge-offs (x) | -0.9321% | 6,438 |
| Efficiency ratio | 168.7500% | 139 |
| Assets per employee ($millions) | 3.6167% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2696% | 291 |
| Loan loss allowance to noncurrent loans | 33.1388% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 11.7108% | 291 |
| Noncurrent loans to loans | 12.8841% | 232 |
| Net loans and leases to total assets | 60.8009% | 4,759 |
| Net loans and leases to deposits | 74.2327% | 4,466 |
| Net loans and leases to core deposits | 76.6128% | 4,977 |
| Total domestic deposits to total assets | 81.9059% | 5,032 |
| Equity capital to assets | 5.6497% | 7,523 |
| Core capital (leverage) ratio | 5.0746% | 7,538 |
| Tier 1 risk-based capital ratio | 7.6811% | 7,506 |
| Total risk-based capital ratio | 10.7891% | 7,245 |
| Memoranda: | ||
| Average total assets | $265,320,500 | 2,438 |
| Average earning assets | $236,671,000 | 2,496 |
| Average equity | $15,317,250 | 3,931 |
| Average total loans | $170,781,250 | 2,498 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 5,774 |
| Cost of funding earning assets | 2.2183% | 438 |
| Net interest margin | 2.5887% | 7,361 |
| Noninterest income to average assets | -0.0853% | 7,620 |
| Noninterest expense to average assets | 2.6091% | 5,284 |
| Loan and lease loss provision to assets | 1.1671% | 1,217 |
| Net operating income to assets | -1.5602% | 7,170 |
| Return on assets (ROA) | -1.5602% | 7,179 |
| Pretax return on assets | -1.5573% | 7,096 |
| Return on Equity (ROE) | -26.8589% | 7,393 |
| Retained earnings to average equity (ytd only) | -26.8589% | 7,378 |
| Net charge-offs to loans | 1.5804% | 1,199 |
| Credit loss provision to net charge-offs | 114.2857% | 3,564 |
| Earnings coverage of net charge-offs (x) | -0.3821% | 5,971 |
| Efficiency ratio | 117.5871% | 444 |
| Assets per employee ($millions) | 3.6340% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5136% | 253 |
| Loan loss allowance to noncurrent loans | 45.4670% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 10.5339% | 359 |
| Noncurrent loans to loans | 9.9272% | 447 |
| Net loans and leases to total assets | 60.9347% | 4,881 |
| Net loans and leases to deposits | 75.0252% | 4,512 |
| Net loans and leases to core deposits | 77.3984% | 5,039 |
| Total domestic deposits to total assets | 81.2190% | 5,326 |
| Equity capital to assets | 5.9761% | 7,545 |
| Core capital (leverage) ratio | 5.4018% | 7,565 |
| Tier 1 risk-based capital ratio | 8.1281% | 7,515 |
| Total risk-based capital ratio | 11.1345% | 7,067 |
| Memoranda: | ||
| Average total assets | $274,193,330 | 2,373 |
| Average earning assets | $244,060,670 | 2,454 |
| Average equity | $15,927,670 | 3,813 |
| Average total loans | $177,173,000 | 2,452 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7922% | 5,914 |
| Cost of funding earning assets | 2.2459% | 504 |
| Net interest margin | 2.5464% | 7,433 |
| Noninterest income to average assets | -0.2900% | 7,822 |
| Noninterest expense to average assets | 2.5371% | 5,589 |
| Loan and lease loss provision to assets | 2.2527% | 476 |
| Net operating income to assets | -2.8103% | 7,616 |
| Return on assets (ROA) | -2.8103% | 7,616 |
| Pretax return on assets | -2.8131% | 7,574 |
| Return on Equity (ROE) | -49.0102% | 7,707 |
| Retained earnings to average equity (ytd only) | -49.0102% | 7,697 |
| Net charge-offs to loans | 2.3424% | 717 |
| Credit loss provision to net charge-offs | 148.0111% | 2,408 |
| Earnings coverage of net charge-offs (x) | -0.3682% | 5,239 |
| Efficiency ratio | 128.3476% | 352 |
| Assets per employee ($millions) | 3.4190% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2777% | 297 |
| Loan loss allowance to noncurrent loans | 43.6665% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 10.9348% | 334 |
| Noncurrent loans to loans | 9.7964% | 435 |
| Net loans and leases to total assets | 63.3441% | 4,461 |
| Net loans and leases to deposits | 78.0231% | 4,035 |
| Net loans and leases to core deposits | 81.0050% | 4,624 |
| Total domestic deposits to total assets | 81.1863% | 5,390 |
| Equity capital to assets | 5.6490% | 7,665 |
| Core capital (leverage) ratio | 5.1598% | 7,690 |
| Tier 1 risk-based capital ratio | 7.3515% | 7,673 |
| Total risk-based capital ratio | 10.1748% | 7,506 |
| Memoranda: | ||
| Average total assets | $284,100,500 | 2,354 |
| Average earning assets | $252,908,500 | 2,418 |
| Average equity | $16,290,500 | 3,781 |
| Average total loans | $184,593,500 | 2,434 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1189% | 6,005 |
| Cost of funding earning assets | 2.6807% | 624 |
| Net interest margin | 2.4382% | 7,482 |
| Noninterest income to average assets | 0.2910% | 6,028 |
| Noninterest expense to average assets | 2.7237% | 5,282 |
| Loan and lease loss provision to assets | 2.1966% | 947 |
| Net operating income to assets | -2.4051% | 7,233 |
| Return on assets (ROA) | -2.4051% | 7,239 |
| Pretax return on assets | -2.3885% | 7,104 |
| Return on Equity (ROE) | -38.9805% | 7,553 |
| Retained earnings to average equity (ytd only) | -38.9805% | 7,539 |
| Net charge-offs to loans | 2.1360% | 1,134 |
| Credit loss provision to net charge-offs | 140.7350% | 3,452 |
| Earnings coverage of net charge-offs (x) | -0.1230% | 6,359 |
| Efficiency ratio | 107.5801% | 852 |
| Assets per employee ($millions) | 3.6802% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7422% | 426 |
| Loan loss allowance to noncurrent loans | 49.7001% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 9.6337% | 399 |
| Noncurrent loans to loans | 7.5296% | 698 |
| Net loans and leases to total assets | 61.4965% | 5,104 |
| Net loans and leases to deposits | 76.4462% | 4,659 |
| Net loans and leases to core deposits | 97.6618% | 4,262 |
| Total domestic deposits to total assets | 80.4441% | 5,539 |
| Equity capital to assets | 5.8111% | 7,690 |
| Core capital (leverage) ratio | 5.3224% | 7,733 |
| Tier 1 risk-based capital ratio | 8.0375% | 7,648 |
| Total risk-based capital ratio | 10.7945% | 7,179 |
| Memoranda: | ||
| Average total assets | $332,965,600 | 2,039 |
| Average earning assets | $306,005,200 | 2,034 |
| Average equity | $20,543,600 | 3,134 |
| Average total loans | $243,301,400 | 1,927 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2053% | 5,854 |
| Cost of funding earning assets | 2.7563% | 673 |
| Net interest margin | 2.4490% | 7,514 |
| Noninterest income to average assets | 0.4811% | 4,659 |
| Noninterest expense to average assets | 2.6535% | 5,515 |
| Loan and lease loss provision to assets | 2.7760% | 562 |
| Net operating income to assets | -2.7026% | 7,516 |
| Return on assets (ROA) | -2.7026% | 7,521 |
| Pretax return on assets | -2.6812% | 7,413 |
| Return on Equity (ROE) | -43.2552% | 7,782 |
| Retained earnings to average equity (ytd only) | -43.2552% | 7,779 |
| Net charge-offs to loans | 2.3161% | 812 |
| Credit loss provision to net charge-offs | 159.6499% | 2,976 |
| Earnings coverage of net charge-offs (x) | 0.0545% | 5,993 |
| Efficiency ratio | 96.5498% | 1,244 |
| Assets per employee ($millions) | 3.8618% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5399% | 401 |
| Loan loss allowance to noncurrent loans | 41.9773% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 9.6003% | 374 |
| Noncurrent loans to loans | 8.4329% | 551 |
| Net loans and leases to total assets | 65.9838% | 4,434 |
| Net loans and leases to deposits | 81.8711% | 4,052 |
| Net loans and leases to core deposits | 106.6366% | 3,630 |
| Total domestic deposits to total assets | 80.5948% | 5,220 |
| Equity capital to assets | 5.8652% | 7,882 |
| Core capital (leverage) ratio | 5.2725% | 7,901 |
| Tier 1 risk-based capital ratio | 7.7705% | 7,826 |
| Total risk-based capital ratio | 10.3881% | 7,572 |
| Memoranda: | ||
| Average total assets | $341,682,000 | 2,008 |
| Average earning assets | $316,312,500 | 1,991 |
| Average equity | $21,348,750 | 3,053 |
| Average total loans | $256,514,750 | 1,875 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3357% | 5,470 |
| Cost of funding earning assets | 2.8228% | 738 |
| Net interest margin | 2.5130% | 7,467 |
| Noninterest income to average assets | 0.5068% | 4,389 |
| Noninterest expense to average assets | 2.6227% | 5,645 |
| Loan and lease loss provision to assets | 3.7821% | 349 |
| Net operating income to assets | -3.5844% | 7,775 |
| Return on assets (ROA) | -3.5844% | 7,775 |
| Pretax return on assets | -3.5529% | 7,687 |
| Return on Equity (ROE) | -56.3258% | 7,958 |
| Retained earnings to average equity (ytd only) | -56.3258% | 7,955 |
| Net charge-offs to loans | 1.6382% | 1,157 |
| Credit loss provision to net charge-offs | 299.5023% | 1,567 |
| Earnings coverage of net charge-offs (x) | 0.1814% | 5,489 |
| Efficiency ratio | 91.9655% | 1,642 |
| Assets per employee ($millions) | 3.9655% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7768% | 305 |
| Loan loss allowance to noncurrent loans | 54.9726% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 6.1726% | 774 |
| Noncurrent loans to loans | 6.8704% | 723 |
| Net loans and leases to total assets | 71.1930% | 3,425 |
| Net loans and leases to deposits | 87.2587% | 3,310 |
| Net loans and leases to core deposits | 114.4468% | 2,862 |
| Total domestic deposits to total assets | 81.5884% | 4,863 |
| Equity capital to assets | 5.6739% | 7,975 |
| Core capital (leverage) ratio | 5.1596% | 8,012 |
| Tier 1 risk-based capital ratio | 7.4359% | 7,971 |
| Total risk-based capital ratio | 9.9542% | 7,856 |
| Memoranda: | ||
| Average total assets | $350,020,330 | 1,974 |
| Average earning assets | $326,627,670 | 1,937 |
| Average equity | $22,274,000 | 2,940 |
| Average total loans | $269,814,000 | 1,823 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3458% | 5,679 |
| Cost of funding earning assets | 2.8688% | 831 |
| Net interest margin | 2.4769% | 7,529 |
| Noninterest income to average assets | 0.4522% | 4,748 |
| Noninterest expense to average assets | 2.1801% | 6,921 |
| Loan and lease loss provision to assets | 1.2903% | 997 |
| Net operating income to assets | -0.6923% | 7,049 |
| Return on assets (ROA) | -0.6923% | 7,086 |
| Pretax return on assets | -0.6923% | 6,964 |
| Return on Equity (ROE) | -10.3487% | 7,382 |
| Retained earnings to average equity (ytd only) | -10.3487% | 7,141 |
| Net charge-offs to loans | 0.6099% | 1,954 |
| Credit loss provision to net charge-offs | 269.3208% | 1,764 |
| Earnings coverage of net charge-offs (x) | 1.2482% | 4,121 |
| Efficiency ratio | 78.4733% | 3,092 |
| Assets per employee ($millions) | 4.1383% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0766% | 1,278 |
| Loan loss allowance to noncurrent loans | 60.1637% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 3.1650% | 1,763 |
| Noncurrent loans to loans | 3.4515% | 1,852 |
| Net loans and leases to total assets | 75.0900% | 2,480 |
| Net loans and leases to deposits | 94.8117% | 2,134 |
| Net loans and leases to core deposits | 125.0511% | 1,992 |
| Total domestic deposits to total assets | 79.1991% | 5,642 |
| Equity capital to assets | 6.8502% | 7,750 |
| Core capital (leverage) ratio | 6.5830% | 7,846 |
| Tier 1 risk-based capital ratio | 8.6853% | 7,910 |
| Total risk-based capital ratio | 11.0557% | 7,041 |
| Memoranda: | ||
| Average total assets | $356,495,000 | 1,946 |
| Average earning assets | $334,769,000 | 1,892 |
| Average equity | $23,848,500 | 2,785 |
| Average total loans | $280,026,000 | 1,777 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1418% | 4,820 |
| Cost of funding earning assets | 3.4136% | 688 |
| Net interest margin | 2.7282% | 7,450 |
| Noninterest income to average assets | 0.4608% | 4,960 |
| Noninterest expense to average assets | 2.1234% | 7,179 |
| Loan and lease loss provision to assets | 0.9292% | 1,595 |
| Net operating income to assets | -0.0466% | 6,437 |
| Return on assets (ROA) | -0.0466% | 6,287 |
| Pretax return on assets | -0.0224% | 6,178 |
| Return on Equity (ROE) | -0.6930% | 6,322 |
| Retained earnings to average equity (ytd only) | -8.1493% | 6,897 |
| Net charge-offs to loans | 0.3703% | 2,991 |
| Credit loss provision to net charge-offs | 309.7345% | 1,454 |
| Earnings coverage of net charge-offs (x) | 3.0226% | 4,577 |
| Efficiency ratio | 70.0740% | 4,334 |
| Assets per employee ($millions) | 4.1042% | 3,301 |
| Cash dividends to net income (ytd only)* | -1,075.9494% | 8,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 1,723 |
| Loan loss allowance to noncurrent loans | 144.0069% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 1.5101% | 3,199 |
| Noncurrent loans to loans | 1.2251% | 4,063 |
| Net loans and leases to total assets | 79.0352% | 1,881 |
| Net loans and leases to deposits | 99.6585% | 1,873 |
| Net loans and leases to core deposits | 132.0150% | 1,722 |
| Total domestic deposits to total assets | 79.3060% | 5,261 |
| Equity capital to assets | 6.5260% | 7,928 |
| Core capital (leverage) ratio | 6.2404% | 8,007 |
| Tier 1 risk-based capital ratio | 8.0689% | 8,076 |
| Total risk-based capital ratio | 10.4342% | 7,591 |
| Memoranda: | ||
| Average total assets | $338,987,000 | 1,961 |
| Average earning assets | $319,256,200 | 1,909 |
| Average equity | $22,799,600 | 2,871 |
| Average total loans | $274,678,800 | 1,744 |