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Citizens State 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 | 5.1679% | 6,022 |
| Cost of funding earning assets | 2.0146% | 3,280 |
| Net interest margin | 3.1534% | 6,162 |
| Noninterest income to average assets | -1.1460% | 8,079 |
| Noninterest expense to average assets | 4.2472% | 981 |
| Loan and lease loss provision to assets | 5.2103% | 158 |
| Net operating income to assets | -7.9171% | 8,008 |
| Return on assets (ROA) | -7.9150% | 8,006 |
| Pretax return on assets | -7.9150% | 7,994 |
| Return on Equity (ROE) | -186.2798% | 8,067 |
| Retained earnings to average equity (ytd only) | -188.7834% | 8,068 |
| Net charge-offs to loans | 5.6009% | 171 |
| Credit loss provision to net charge-offs | 124.0628% | 4,067 |
| Earnings coverage of net charge-offs (x) | -0.6445% | 6,536 |
| Efficiency ratio | 275.7366% | 74 |
| Assets per employee ($millions) | 2.9061% | 6,391 |
| Cash dividends to net income (ytd only)* | -1.3440% | 7,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8922% | 318 |
| Loan loss allowance to noncurrent loans | 40.3746% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 13.7312% | 157 |
| Noncurrent loans to loans | 9.6402% | 423 |
| Net loans and leases to total assets | 75.1535% | 2,212 |
| Net loans and leases to deposits | 80.6063% | 4,278 |
| Net loans and leases to core deposits | 91.4177% | 5,289 |
| Total domestic deposits to total assets | 93.2353% | 76 |
| Equity capital to assets | 1.1451% | 8,071 |
| Core capital (leverage) ratio | 1.2251% | 8,066 |
| Tier 1 risk-based capital ratio | 1.4833% | 8,069 |
| Total risk-based capital ratio | 2.7460% | 8,069 |
| Memoranda: | ||
| Average total assets | $188,009,250 | 3,334 |
| Average earning assets | $160,163,250 | 3,544 |
| Average equity | $7,988,500 | 5,984 |
| Average total loans | $140,972,750 | 3,095 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0585% | 6,586 |
| Cost of funding earning assets | 2.0595% | 3,478 |
| Net interest margin | 2.9990% | 6,558 |
| Noninterest income to average assets | -1.1959% | 8,165 |
| Noninterest expense to average assets | 4.0330% | 1,272 |
| Loan and lease loss provision to assets | 6.5472% | 112 |
| Net operating income to assets | -9.1961% | 8,102 |
| Return on assets (ROA) | -9.1961% | 8,096 |
| Pretax return on assets | -9.1961% | 8,082 |
| Return on Equity (ROE) | -178.7170% | 8,141 |
| Retained earnings to average equity (ytd only) | -181.7146% | 8,141 |
| Net charge-offs to loans | 8.1580% | 101 |
| Credit loss provision to net charge-offs | 108.3745% | 4,268 |
| Earnings coverage of net charge-offs (x) | -0.4385% | 6,042 |
| Efficiency ratio | 291.3819% | 85 |
| Assets per employee ($millions) | 2.9121% | 6,352 |
| Cash dividends to net income (ytd only)* | -1.6773% | 7,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0798% | 527 |
| Loan loss allowance to noncurrent loans | 34.7236% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 12.0553% | 177 |
| Noncurrent loans to loans | 8.8694% | 452 |
| Net loans and leases to total assets | 70.8505% | 3,503 |
| Net loans and leases to deposits | 76.4891% | 5,098 |
| Net loans and leases to core deposits | 91.5759% | 5,388 |
| Total domestic deposits to total assets | 92.6283% | 129 |
| Equity capital to assets | 2.2154% | 8,140 |
| Core capital (leverage) ratio | 2.2583% | 8,141 |
| Tier 1 risk-based capital ratio | 2.7459% | 8,142 |
| Total risk-based capital ratio | 4.0062% | 8,142 |
| Memoranda: | ||
| Average total assets | $194,495,330 | 3,286 |
| Average earning assets | $167,321,330 | 3,438 |
| Average equity | $10,008,000 | 5,357 |
| Average total loans | $144,029,670 | 3,079 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9892% | 6,953 |
| Cost of funding earning assets | 2.1209% | 3,556 |
| Net interest margin | 2.8683% | 6,838 |
| Noninterest income to average assets | 0.6970% | 2,906 |
| Noninterest expense to average assets | 3.8276% | 1,419 |
| Loan and lease loss provision to assets | 0.4714% | 2,590 |
| Net operating income to assets | -1.1201% | 7,316 |
| Return on assets (ROA) | -1.1201% | 7,326 |
| Pretax return on assets | -1.1201% | 7,207 |
| Return on Equity (ROE) | -17.1771% | 7,683 |
| Retained earnings to average equity (ytd only) | -19.4941% | 7,630 |
| Net charge-offs to loans | 0.8166% | 1,588 |
| Credit loss provision to net charge-offs | 77.4834% | 4,231 |
| Earnings coverage of net charge-offs (x) | -1.0662% | 5,376 |
| Efficiency ratio | 120.4056% | 620 |
| Assets per employee ($millions) | 3.1899% | 5,624 |
| Cash dividends to net income (ytd only)* | -13.4892% | 8,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4942% | 769 |
| Loan loss allowance to noncurrent loans | 26.4601% | 6,811 |
| Noncurrent assets plus other real estate owned to assets | 12.1327% | 139 |
| Noncurrent loans to loans | 9.4261% | 328 |
| Net loans and leases to total assets | 71.9130% | 3,255 |
| Net loans and leases to deposits | 80.9991% | 4,449 |
| Net loans and leases to core deposits | 98.7303% | 4,674 |
| Total domestic deposits to total assets | 88.7825% | 1,345 |
| Equity capital to assets | 6.3872% | 7,910 |
| Core capital (leverage) ratio | 6.5049% | 7,877 |
| Tier 1 risk-based capital ratio | 7.5458% | 8,053 |
| Total risk-based capital ratio | 8.7848% | 8,071 |
| Memoranda: | ||
| Average total assets | $198,556,000 | 3,261 |
| Average earning assets | $171,812,000 | 3,393 |
| Average equity | $12,947,500 | 4,589 |
| Average total loans | $147,923,000 | 3,040 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0670% | 5,220 |
| Cost of funding earning assets | 2.4260% | 4,601 |
| Net interest margin | 3.6410% | 4,717 |
| Noninterest income to average assets | -0.0005% | 8,149 |
| Noninterest expense to average assets | 3.9820% | 1,447 |
| Loan and lease loss provision to assets | 2.9886% | 307 |
| Net operating income to assets | -3.0435% | 7,835 |
| Return on assets (ROA) | -3.2601% | 7,860 |
| Pretax return on assets | -4.0325% | 7,894 |
| Return on Equity (ROE) | -36.2973% | 8,039 |
| Retained earnings to average equity (ytd only) | -39.0427% | 8,034 |
| Net charge-offs to loans | 3.1279% | 278 |
| Credit loss provision to net charge-offs | 123.0027% | 4,364 |
| Earnings coverage of net charge-offs (x) | -0.3196% | 6,426 |
| Efficiency ratio | 124.2212% | 527 |
| Assets per employee ($millions) | 3.1147% | 5,736 |
| Cash dividends to net income (ytd only)* | -7.5637% | 7,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4702% | 705 |
| Loan loss allowance to noncurrent loans | 31.9121% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 9.1722% | 209 |
| Noncurrent loans to loans | 7.7408% | 359 |
| Net loans and leases to total assets | 73.3818% | 3,268 |
| Net loans and leases to deposits | 83.9223% | 4,430 |
| Net loans and leases to core deposits | 102.4757% | 4,557 |
| Total domestic deposits to total assets | 87.4401% | 1,732 |
| Equity capital to assets | 6.6534% | 7,889 |
| Core capital (leverage) ratio | 6.8939% | 7,765 |
| Tier 1 risk-based capital ratio | 7.8720% | 8,102 |
| Total risk-based capital ratio | 9.1121% | 8,133 |
| Memoranda: | ||
| Average total assets | $196,281,400 | 3,187 |
| Average earning assets | $172,835,600 | 3,289 |
| Average equity | $17,629,400 | 3,618 |
| Average total loans | $152,467,000 | 2,880 |