Home > Citizens State Bank of Cropsey > Performance and Condition Ratios
Citizens State Bank of Cropsey, 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 | 5.0623% | 4,526 |
| Cost of funding earning assets | 1.6724% | 1,994 |
| Net interest margin | 3.3900% | 5,715 |
| Noninterest income to average assets | 0.1906% | 6,514 |
| Noninterest expense to average assets | 3.0217% | 3,668 |
| Loan and lease loss provision to assets | 2.2776% | 488 |
| Net operating income to assets | -1.9388% | 7,223 |
| Return on assets (ROA) | -1.9388% | 7,240 |
| Pretax return on assets | -1.9388% | 7,183 |
| Return on Equity (ROE) | -32.8049% | 7,426 |
| Retained earnings to average equity (ytd only) | -33.2655% | 7,428 |
| Net charge-offs to loans | 2.6366% | 627 |
| Credit loss provision to net charge-offs | 120.8668% | 3,407 |
| Earnings coverage of net charge-offs (x) | 0.1798% | 5,833 |
| Efficiency ratio | 89.9190% | 1,299 |
| Assets per employee ($millions) | 4.0234% | 3,790 |
| Cash dividends to net income (ytd only)* | -1.4041% | 7,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 4,752 |
| Loan loss allowance to noncurrent loans | 85.2008% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.4145% | 4,333 |
| Noncurrent loans to loans | 1.5730% | 4,277 |
| Net loans and leases to total assets | 67.0312% | 3,454 |
| Net loans and leases to deposits | 76.2622% | 4,132 |
| Net loans and leases to core deposits | 77.4751% | 4,866 |
| Total domestic deposits to total assets | 87.8957% | 2,018 |
| Equity capital to assets | 5.3506% | 7,548 |
| Core capital (leverage) ratio | 5.3432% | 7,516 |
| Tier 1 risk-based capital ratio | 7.3666% | 7,530 |
| Total risk-based capital ratio | 8.6170% | 7,533 |
| Memoranda: | ||
| Average total assets | $44,080,500 | 6,815 |
| Average earning assets | $41,218,250 | 6,752 |
| Average equity | $2,605,250 | 7,470 |
| Average total loans | $31,504,000 | 6,417 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1645% | 4,118 |
| Cost of funding earning assets | 1.7476% | 1,879 |
| Net interest margin | 3.4169% | 5,572 |
| Noninterest income to average assets | 0.1726% | 6,671 |
| Noninterest expense to average assets | 3.3756% | 2,328 |
| Loan and lease loss provision to assets | 3.3847% | 264 |
| Net operating income to assets | -3.4438% | 7,571 |
| Return on assets (ROA) | -3.4438% | 7,575 |
| Pretax return on assets | -3.4165% | 7,534 |
| Return on Equity (ROE) | -56.4759% | 7,643 |
| Retained earnings to average equity (ytd only) | -57.1465% | 7,641 |
| Net charge-offs to loans | 3.8521% | 348 |
| Credit loss provision to net charge-offs | 120.9416% | 3,349 |
| Earnings coverage of net charge-offs (x) | -0.0114% | 5,732 |
| Efficiency ratio | 100.9511% | 771 |
| Assets per employee ($millions) | 3.8152% | 4,188 |
| Cash dividends to net income (ytd only)* | -1.1873% | 7,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 4,787 |
| Loan loss allowance to noncurrent loans | 71.4032% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.7061% | 3,886 |
| Noncurrent loans to loans | 1.8556% | 3,928 |
| Net loans and leases to total assets | 71.3394% | 2,581 |
| Net loans and leases to deposits | 82.0381% | 3,269 |
| Net loans and leases to core deposits | 83.4234% | 4,221 |
| Total domestic deposits to total assets | 86.9588% | 2,550 |
| Equity capital to assets | 5.2827% | 7,611 |
| Core capital (leverage) ratio | 5.1525% | 7,585 |
| Tier 1 risk-based capital ratio | 7.0722% | 7,598 |
| Total risk-based capital ratio | 8.3525% | 7,601 |
| Memoranda: | ||
| Average total assets | $44,021,670 | 6,865 |
| Average earning assets | $40,856,000 | 6,817 |
| Average equity | $2,684,330 | 7,505 |
| Average total loans | $31,982,330 | 6,438 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3115% | 3,484 |
| Cost of funding earning assets | 1.8286% | 1,756 |
| Net interest margin | 3.4830% | 5,230 |
| Noninterest income to average assets | 0.1953% | 6,563 |
| Noninterest expense to average assets | 3.8625% | 1,225 |
| Loan and lease loss provision to assets | 0.1598% | 4,932 |
| Net operating income to assets | -0.8790% | 7,052 |
| Return on assets (ROA) | -0.8790% | 7,079 |
| Pretax return on assets | -0.6304% | 6,861 |
| Return on Equity (ROE) | -13.5709% | 7,276 |
| Retained earnings to average equity (ytd only) | -14.3934% | 7,185 |
| Net charge-offs to loans | 0.0366% | 5,070 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | -17.6667% | 5,577 |
| Efficiency ratio | 113.8743% | 530 |
| Assets per employee ($millions) | 4.3802% | 3,160 |
| Cash dividends to net income (ytd only)* | -6.0606% | 7,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 6,926 |
| Loan loss allowance to noncurrent loans | 28.2353% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 2.8241% | 2,569 |
| Noncurrent loans to loans | 3.0816% | 2,597 |
| Net loans and leases to total assets | 74.9098% | 1,761 |
| Net loans and leases to deposits | 87.8877% | 2,244 |
| Net loans and leases to core deposits | 89.3305% | 3,456 |
| Total domestic deposits to total assets | 85.2336% | 3,550 |
| Equity capital to assets | 6.5454% | 7,519 |
| Core capital (leverage) ratio | 6.3673% | 7,514 |
| Tier 1 risk-based capital ratio | 8.2946% | 7,581 |
| Total risk-based capital ratio | 9.1319% | 7,635 |
| Memoranda: | ||
| Average total assets | $45,049,000 | 6,910 |
| Average earning assets | $41,344,000 | 6,883 |
| Average equity | $2,918,000 | 7,518 |
| Average total loans | $32,803,000 | 6,469 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7901% | 2,697 |
| Cost of funding earning assets | 2.1884% | 2,085 |
| Net interest margin | 3.6017% | 4,549 |
| Noninterest income to average assets | 0.3010% | 5,943 |
| Noninterest expense to average assets | 2.6914% | 5,430 |
| Loan and lease loss provision to assets | 0.7080% | 2,995 |
| Net operating income to assets | 0.1288% | 5,117 |
| Return on assets (ROA) | 0.0025% | 5,533 |
| Pretax return on assets | 0.0863% | 5,252 |
| Return on Equity (ROE) | 0.0337% | 5,529 |
| Retained earnings to average equity (ytd only) | -3.0348% | 5,707 |
| Net charge-offs to loans | 0.7957% | 2,834 |
| Credit loss provision to net charge-offs | 116.1943% | 4,673 |
| Earnings coverage of net charge-offs (x) | 1.6275% | 4,521 |
| Efficiency ratio | 73.0743% | 4,079 |
| Assets per employee ($millions) | 4.6296% | 2,717 |
| Cash dividends to net income (ytd only)* | 9,100.0000% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 7,014 |
| Loan loss allowance to noncurrent loans | 718.4211% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.5551% | 6,063 |
| Noncurrent loans to loans | 0.1169% | 7,126 |
| Net loans and leases to total assets | 69.6237% | 3,336 |
| Net loans and leases to deposits | 80.0760% | 3,973 |
| Net loans and leases to core deposits | 91.5944% | 4,938 |
| Total domestic deposits to total assets | 86.9470% | 2,545 |
| Equity capital to assets | 6.4131% | 7,580 |
| Core capital (leverage) ratio | 6.5793% | 7,455 |
| Tier 1 risk-based capital ratio | 8.4429% | 7,594 |
| Total risk-based capital ratio | 9.2247% | 7,666 |
| Memoranda: | ||
| Average total assets | $40,536,800 | 7,074 |
| Average earning assets | $38,065,000 | 7,013 |
| Average equity | $2,965,600 | 7,594 |
| Average total loans | $31,043,200 | 6,578 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9205% | 2,352 |
| Cost of funding earning assets | 2.2724% | 2,098 |
| Net interest margin | 3.6482% | 4,283 |
| Noninterest income to average assets | 0.3479% | 5,717 |
| Noninterest expense to average assets | 2.7964% | 4,914 |
| Loan and lease loss provision to assets | 0.0989% | 6,376 |
| Net operating income to assets | 0.5945% | 3,619 |
| Return on assets (ROA) | 0.5968% | 3,670 |
| Pretax return on assets | 0.8833% | 3,276 |
| Return on Equity (ROE) | 7.8701% | 2,702 |
| Retained earnings to average equity (ytd only) | 6.3412% | 1,795 |
| Net charge-offs to loans | 0.0174% | 6,675 |
| Credit loss provision to net charge-offs | 725.0000% | 519 |
| Earnings coverage of net charge-offs (x) | 71.7936% | 470 |
| Efficiency ratio | 74.0741% | 3,852 |
| Assets per employee ($millions) | 3.9007% | 3,940 |
| Cash dividends to net income (ytd only)* | 19.4274% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7999% | 7,118 |
| Loan loss allowance to noncurrent loans | 42.2951% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 1.9320% | 3,451 |
| Noncurrent loans to loans | 1.8912% | 3,781 |
| Net loans and leases to total assets | 74.5688% | 2,353 |
| Net loans and leases to deposits | 87.6483% | 3,035 |
| Net loans and leases to core deposits | 99.5427% | 4,426 |
| Total domestic deposits to total assets | 85.0774% | 3,188 |
| Equity capital to assets | 7.5767% | 7,241 |
| Core capital (leverage) ratio | 7.7233% | 6,700 |
| Tier 1 risk-based capital ratio | 9.3605% | 7,457 |
| Total risk-based capital ratio | 10.1205% | 7,688 |
| Memoranda: | ||
| Average total assets | $39,097,000 | 7,196 |
| Average earning assets | $36,730,000 | 7,124 |
| Average equity | $2,964,750 | 7,672 |
| Average total loans | $30,677,500 | 6,642 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0091% | 2,148 |
| Cost of funding earning assets | 2.4025% | 1,960 |
| Net interest margin | 3.6066% | 4,334 |
| Noninterest income to average assets | 0.3807% | 5,460 |
| Noninterest expense to average assets | 2.8710% | 4,625 |
| Loan and lease loss provision to assets | 0.0899% | 6,274 |
| Net operating income to assets | 0.5357% | 3,956 |
| Return on assets (ROA) | 0.5393% | 4,045 |
| Pretax return on assets | 0.7984% | 3,681 |
| Return on Equity (ROE) | 7.1097% | 3,162 |
| Retained earnings to average equity (ytd only) | 6.5521% | 1,770 |
| Net charge-offs to loans | 0.0199% | 6,238 |
| Credit loss provision to net charge-offs | 566.6667% | 822 |
| Earnings coverage of net charge-offs (x) | 55.6667% | 634 |
| Efficiency ratio | 76.4789% | 3,601 |
| Assets per employee ($millions) | 3.5534% | 4,678 |
| Cash dividends to net income (ytd only)* | 7.8431% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7855% | 7,199 |
| Loan loss allowance to noncurrent loans | 38.8976% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 2.1849% | 2,949 |
| Noncurrent loans to loans | 2.0193% | 3,487 |
| Net loans and leases to total assets | 79.8194% | 1,345 |
| Net loans and leases to deposits | 94.3651% | 2,033 |
| Net loans and leases to core deposits | 107.7835% | 3,632 |
| Total domestic deposits to total assets | 84.5857% | 3,456 |
| Equity capital to assets | 7.4270% | 7,328 |
| Core capital (leverage) ratio | 7.9515% | 6,419 |
| Tier 1 risk-based capital ratio | 8.9500% | 7,723 |
| Total risk-based capital ratio | 9.7173% | 7,881 |
| Memoranda: | ||
| Average total assets | $37,826,670 | 7,298 |
| Average earning assets | $35,379,670 | 7,246 |
| Average equity | $2,869,330 | 7,768 |
| Average total loans | $30,152,000 | 6,725 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0538% | 2,136 |
| Cost of funding earning assets | 2.5581% | 1,713 |
| Net interest margin | 3.4957% | 4,753 |
| Noninterest income to average assets | 0.2688% | 6,288 |
| Noninterest expense to average assets | 2.7745% | 4,681 |
| Loan and lease loss provision to assets | 0.0860% | 5,857 |
| Net operating income to assets | 0.4409% | 4,691 |
| Return on assets (ROA) | 0.4409% | 4,863 |
| Pretax return on assets | 0.6560% | 4,568 |
| Return on Equity (ROE) | 5.7493% | 4,145 |
| Retained earnings to average equity (ytd only) | 5.3287% | 2,945 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8991% | 3,020 |
| Assets per employee ($millions) | 3.7819% | 4,138 |
| Cash dividends to net income (ytd only)* | 7.3171% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 7,138 |
| Loan loss allowance to noncurrent loans | 430.3571% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.7298% | 5,333 |
| Noncurrent loans to loans | 0.1871% | 6,994 |
| Net loans and leases to total assets | 78.5240% | 1,690 |
| Net loans and leases to deposits | 93.1174% | 2,413 |
| Net loans and leases to core deposits | 106.0077% | 3,914 |
| Total domestic deposits to total assets | 84.3280% | 3,539 |
| Equity capital to assets | 7.5835% | 7,280 |
| Core capital (leverage) ratio | 7.7970% | 6,750 |
| Tier 1 risk-based capital ratio | 9.2311% | 7,647 |
| Total risk-based capital ratio | 10.0186% | 7,952 |
| Memoranda: | ||
| Average total assets | $37,196,500 | 7,367 |
| Average earning assets | $34,557,000 | 7,328 |
| Average equity | $2,852,500 | 7,825 |
| Average total loans | $29,505,000 | 6,798 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2524% | 4,225 |
| Cost of funding earning assets | 3.1136% | 1,467 |
| Net interest margin | 3.1388% | 6,549 |
| Noninterest income to average assets | 0.2861% | 6,420 |
| Noninterest expense to average assets | 2.6488% | 5,451 |
| Loan and lease loss provision to assets | 0.0885% | 6,272 |
| Net operating income to assets | 0.3953% | 5,170 |
| Return on assets (ROA) | 0.3953% | 4,986 |
| Pretax return on assets | 0.4808% | 5,033 |
| Return on Equity (ROE) | 5.2381% | 4,266 |
| Retained earnings to average equity (ytd only) | 2.1890% | 3,855 |
| Net charge-offs to loans | 0.0789% | 5,633 |
| Credit loss provision to net charge-offs | 150.0000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 9.6500% | 2,657 |
| Efficiency ratio | 82.3098% | 2,267 |
| Assets per employee ($millions) | 3.6574% | 4,269 |
| Cash dividends to net income (ytd only)* | 58.2090% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 7,104 |
| Loan loss allowance to noncurrent loans | 485.4167% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 5,028 |
| Noncurrent loans to loans | 0.1651% | 6,903 |
| Net loans and leases to total assets | 78.8511% | 1,923 |
| Net loans and leases to deposits | 92.8942% | 2,973 |
| Net loans and leases to core deposits | 102.5496% | 4,543 |
| Total domestic deposits to total assets | 84.8827% | 2,896 |
| Equity capital to assets | 7.7569% | 7,147 |
| Core capital (leverage) ratio | 7.8855% | 6,674 |
| Tier 1 risk-based capital ratio | 9.3012% | 7,522 |
| Total risk-based capital ratio | 10.0810% | 7,934 |
| Memoranda: | ||
| Average total assets | $33,902,200 | 7,466 |
| Average earning assets | $31,668,000 | 7,426 |
| Average equity | $2,558,200 | 7,962 |
| Average total loans | $25,348,200 | 7,005 |