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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 | 5.2284% | 5,964 |
| Cost of funding earning assets | 1.7950% | 4,784 |
| Net interest margin | 3.4334% | 5,054 |
| Noninterest income to average assets | 0.5634% | 3,939 |
| Noninterest expense to average assets | 3.8782% | 1,521 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.1834% | 6,162 |
| Return on assets (ROA) | -0.1834% | 6,186 |
| Pretax return on assets | -0.1572% | 6,070 |
| Return on Equity (ROE) | -1.7453% | 6,182 |
| Retained earnings to average equity (ytd only) | -1.7453% | 5,682 |
| Net charge-offs to loans | 0.1932% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -1.0909% | 6,249 |
| Efficiency ratio | 104.2254% | 1,022 |
| Assets per employee ($millions) | 2.9302% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5198% | 880 |
| Loan loss allowance to noncurrent loans | 139.1960% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 1.3583% | 4,237 |
| Noncurrent loans to loans | 1.8102% | 3,791 |
| Net loans and leases to total assets | 73.1418% | 2,923 |
| Net loans and leases to deposits | 82.3168% | 4,172 |
| Net loans and leases to core deposits | 91.3867% | 5,413 |
| Total domestic deposits to total assets | 88.8540% | 1,349 |
| Equity capital to assets | 10.8798% | 3,037 |
| Core capital (leverage) ratio | 10.7239% | 2,636 |
| Tier 1 risk-based capital ratio | 11.9169% | 4,984 |
| Total risk-based capital ratio | 13.1280% | 4,931 |
| Memoranda: | ||
| Average total assets | $15,264,670 | 8,059 |
| Average earning assets | $14,038,670 | 8,039 |
| Average equity | $1,604,330 | 8,074 |
| Average total loans | $11,389,000 | 7,789 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1461% | 6,500 |
| Cost of funding earning assets | 1.9367% | 4,453 |
| Net interest margin | 3.2094% | 5,831 |
| Noninterest income to average assets | 0.5138% | 4,197 |
| Noninterest expense to average assets | 3.3651% | 2,455 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0771% | 6,047 |
| Return on assets (ROA) | 0.0771% | 6,217 |
| Pretax return on assets | 0.1284% | 6,102 |
| Return on Equity (ROE) | 0.7456% | 6,209 |
| Retained earnings to average equity (ytd only) | 0.7456% | 5,366 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3235% | 1,300 |
| Assets per employee ($millions) | 3.0426% | 6,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4924% | 770 |
| Loan loss allowance to noncurrent loans | 2,207.6923% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 7,338 |
| Noncurrent loans to loans | 0.1129% | 7,206 |
| Net loans and leases to total assets | 73.8053% | 2,807 |
| Net loans and leases to deposits | 82.8941% | 4,149 |
| Net loans and leases to core deposits | 91.5824% | 5,390 |
| Total domestic deposits to total assets | 89.0357% | 1,217 |
| Equity capital to assets | 10.5896% | 3,377 |
| Core capital (leverage) ratio | 10.2618% | 3,145 |
| Tier 1 risk-based capital ratio | 12.7473% | 4,348 |
| Total risk-based capital ratio | 14.0133% | 4,260 |
| Memoranda: | ||
| Average total assets | $15,571,500 | 8,098 |
| Average earning assets | $14,457,500 | 8,072 |
| Average equity | $1,609,500 | 8,128 |
| Average total loans | $11,587,000 | 7,824 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9249% | 1,329 |
| Cost of funding earning assets | 2.6226% | 3,567 |
| Net interest margin | 4.3023% | 1,962 |
| Noninterest income to average assets | 0.5765% | 4,033 |
| Noninterest expense to average assets | 3.2081% | 3,309 |
| Loan and lease loss provision to assets | 0.1541% | 5,388 |
| Net operating income to assets | 1.1074% | 2,117 |
| Return on assets (ROA) | 1.1074% | 2,032 |
| Pretax return on assets | 1.1474% | 2,844 |
| Return on Equity (ROE) | 11.4549% | 1,767 |
| Retained earnings to average equity (ytd only) | -0.9447% | 5,580 |
| Net charge-offs to loans | 0.1097% | 5,183 |
| Credit loss provision to net charge-offs | 158.8235% | 3,256 |
| Earnings coverage of net charge-offs (x) | 13.4118% | 2,130 |
| Efficiency ratio | 71.1392% | 4,099 |
| Assets per employee ($millions) | 3.1860% | 5,522 |
| Cash dividends to net income (ytd only)* | 108.2474% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4616% | 714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 71.3873% | 3,713 |
| Net loans and leases to deposits | 79.7420% | 5,090 |
| Net loans and leases to core deposits | 95.2269% | 5,324 |
| Total domestic deposits to total assets | 89.5229% | 837 |
| Equity capital to assets | 10.0942% | 3,924 |
| Core capital (leverage) ratio | 9.6536% | 3,823 |
| Tier 1 risk-based capital ratio | 12.6584% | 4,314 |
| Total risk-based capital ratio | 13.9180% | 4,228 |
| Memoranda: | ||
| Average total assets | $17,518,400 | 8,091 |
| Average earning assets | $16,014,600 | 8,070 |
| Average equity | $1,693,600 | 8,183 |
| Average total loans | $15,503,000 | 7,619 |