Home > CITIZENS STATE BANK > Performance and Condition Ratios
CITIZENS STATE BANK, Performance and Condition Ratios
| 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 | 5.5312% | 4,435 |
| Cost of funding earning assets | 2.2962% | 2,368 |
| Net interest margin | 3.2350% | 5,787 |
| Noninterest income to average assets | 0.5456% | 4,062 |
| Noninterest expense to average assets | 3.5830% | 2,111 |
| Loan and lease loss provision to assets | 6.0626% | 131 |
| Net operating income to assets | -3.9316% | 7,818 |
| Return on assets (ROA) | -3.9316% | 7,813 |
| Pretax return on assets | -6.2900% | 7,962 |
| Return on Equity (ROE) | -31.5828% | 7,738 |
| Retained earnings to average equity (ytd only) | -31.5828% | 7,714 |
| Net charge-offs to loans | 5.4696% | 211 |
| Credit loss provision to net charge-offs | 151.2859% | 3,046 |
| Earnings coverage of net charge-offs (x) | -0.0567% | 5,754 |
| Efficiency ratio | 106.3234% | 959 |
| Assets per employee ($millions) | 3.1547% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3540% | 1,036 |
| Loan loss allowance to noncurrent loans | 32.7665% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 5.8447% | 839 |
| Noncurrent loans to loans | 7.1843% | 669 |
| Net loans and leases to total assets | 62.7385% | 5,228 |
| Net loans and leases to deposits | 75.6241% | 5,224 |
| Net loans and leases to core deposits | 85.3537% | 5,981 |
| Total domestic deposits to total assets | 82.9610% | 4,253 |
| Equity capital to assets | 11.5098% | 2,533 |
| Core capital (leverage) ratio | 8.2830% | 5,833 |
| Tier 1 risk-based capital ratio | 10.9554% | 5,923 |
| Total risk-based capital ratio | 12.2158% | 5,847 |
| Memoranda: | ||
| Average total assets | $65,978,000 | 6,226 |
| Average earning assets | $57,311,000 | 6,341 |
| Average equity | $8,213,330 | 5,947 |
| Average total loans | $48,339,670 | 5,834 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8802% | 7,216 |
| Cost of funding earning assets | 2.3322% | 2,569 |
| Net interest margin | 2.5480% | 7,444 |
| Noninterest income to average assets | 0.5528% | 3,897 |
| Noninterest expense to average assets | 3.9002% | 1,309 |
| Loan and lease loss provision to assets | 6.6826% | 103 |
| Net operating income to assets | -4.8783% | 8,031 |
| Return on assets (ROA) | -4.8783% | 8,026 |
| Pretax return on assets | -7.8064% | 8,106 |
| Return on Equity (ROE) | -37.7549% | 7,969 |
| Retained earnings to average equity (ytd only) | -37.7549% | 7,943 |
| Net charge-offs to loans | 2.5533% | 541 |
| Credit loss provision to net charge-offs | 336.3914% | 1,476 |
| Earnings coverage of net charge-offs (x) | -0.5657% | 5,279 |
| Efficiency ratio | 139.8249% | 411 |
| Assets per employee ($millions) | 2.9354% | 6,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2377% | 1,035 |
| Loan loss allowance to noncurrent loans | 34.8033% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 6.1847% | 629 |
| Noncurrent loans to loans | 6.4296% | 698 |
| Net loans and leases to total assets | 74.2130% | 2,703 |
| Net loans and leases to deposits | 91.2094% | 2,741 |
| Net loans and leases to core deposits | 100.7950% | 4,461 |
| Total domestic deposits to total assets | 81.3655% | 4,808 |
| Equity capital to assets | 12.5706% | 1,937 |
| Core capital (leverage) ratio | 9.0942% | 4,568 |
| Tier 1 risk-based capital ratio | 11.1572% | 5,750 |
| Total risk-based capital ratio | 12.3489% | 5,718 |
| Memoranda: | ||
| Average total assets | $65,843,000 | 6,257 |
| Average earning assets | $57,456,500 | 6,355 |
| Average equity | $8,507,500 | 5,878 |
| Average total loans | $51,227,000 | 5,746 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6350% | 2,313 |
| Cost of funding earning assets | 2.9204% | 2,173 |
| Net interest margin | 3.7146% | 4,404 |
| Noninterest income to average assets | 1.0613% | 1,395 |
| Noninterest expense to average assets | 3.1571% | 3,493 |
| Loan and lease loss provision to assets | 0.2980% | 3,997 |
| Net operating income to assets | 0.5747% | 4,418 |
| Return on assets (ROA) | 0.5747% | 4,286 |
| Pretax return on assets | 0.8982% | 3,728 |
| Return on Equity (ROE) | 4.5768% | 4,565 |
| Retained earnings to average equity (ytd only) | 2.2036% | 3,842 |
| Net charge-offs to loans | 0.5059% | 2,330 |
| Credit loss provision to net charge-offs | 70.4698% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.8289% | 4,661 |
| Efficiency ratio | 72.1643% | 3,904 |
| Assets per employee ($millions) | 2.9177% | 6,253 |
| Cash dividends to net income (ytd only)* | 51.8519% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 7,668 |
| Loan loss allowance to noncurrent loans | 17.6279% | 7,324 |
| Noncurrent assets plus other real estate owned to assets | 4.2395% | 937 |
| Noncurrent loans to loans | 3.4400% | 1,489 |
| Net loans and leases to total assets | 79.1378% | 1,849 |
| Net loans and leases to deposits | 100.1018% | 1,825 |
| Net loans and leases to core deposits | 111.0723% | 3,674 |
| Total domestic deposits to total assets | 79.0573% | 5,358 |
| Equity capital to assets | 13.2579% | 1,684 |
| Core capital (leverage) ratio | 10.0155% | 3,429 |
| Tier 1 risk-based capital ratio | 12.2536% | 4,622 |
| Total risk-based capital ratio | 12.8572% | 5,040 |
| Memoranda: | ||
| Average total assets | $70,476,600 | 6,025 |
| Average earning assets | $62,457,000 | 6,074 |
| Average equity | $8,849,000 | 5,788 |
| Average total loans | $58,907,200 | 5,321 |