Home > The Citizens Bank of Higginsport, Ohio > Performance and Condition Ratios
The Citizens Bank of Higginsport, Ohio, 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 | 5.4997% | 4,637 |
| Cost of funding earning assets | 2.4465% | 1,791 |
| Net interest margin | 3.0532% | 6,388 |
| Noninterest income to average assets | 0.3753% | 5,505 |
| Noninterest expense to average assets | 2.5544% | 5,926 |
| Loan and lease loss provision to assets | 0.1062% | 6,094 |
| Net operating income to assets | 0.3540% | 4,669 |
| Return on assets (ROA) | 0.3540% | 4,778 |
| Pretax return on assets | 0.4762% | 4,696 |
| Return on Equity (ROE) | 3.7072% | 4,615 |
| Retained earnings to average equity (ytd only) | 1.2419% | 4,655 |
| Net charge-offs to loans | 0.5032% | 2,818 |
| Credit loss provision to net charge-offs | 32.0856% | 6,005 |
| Earnings coverage of net charge-offs (x) | 1.7594% | 4,237 |
| Efficiency ratio | 81.4334% | 2,804 |
| Assets per employee ($millions) | 4.2254% | 3,243 |
| Cash dividends to net income (ytd only)* | 66.5000% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 6,877 |
| Loan loss allowance to noncurrent loans | 36.9666% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 3.6051% | 1,716 |
| Noncurrent loans to loans | 2.3663% | 3,061 |
| Net loans and leases to total assets | 63.6698% | 5,050 |
| Net loans and leases to deposits | 70.4699% | 5,933 |
| Net loans and leases to core deposits | 82.9563% | 6,162 |
| Total domestic deposits to total assets | 90.3503% | 683 |
| Equity capital to assets | 9.4577% | 4,665 |
| Core capital (leverage) ratio | 9.4241% | 3,997 |
| Tier 1 risk-based capital ratio | 15.0801% | 2,989 |
| Total risk-based capital ratio | 15.9909% | 3,061 |
| Memoranda: | ||
| Average total assets | $112,980,670 | 4,801 |
| Average earning assets | $102,187,000 | 4,832 |
| Average equity | $10,789,670 | 5,142 |
| Average total loans | $74,319,330 | 4,799 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6276% | 4,194 |
| Cost of funding earning assets | 2.5260% | 1,818 |
| Net interest margin | 3.1017% | 6,194 |
| Noninterest income to average assets | 0.3807% | 5,378 |
| Noninterest expense to average assets | 2.6257% | 5,342 |
| Loan and lease loss provision to assets | 0.1067% | 5,601 |
| Net operating income to assets | 0.3344% | 5,141 |
| Return on assets (ROA) | 0.3344% | 5,326 |
| Pretax return on assets | 0.4661% | 5,191 |
| Return on Equity (ROE) | 3.4849% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.1883% | 4,101 |
| Net charge-offs to loans | 0.1016% | 4,159 |
| Credit loss provision to net charge-offs | 157.8947% | 2,673 |
| Earnings coverage of net charge-offs (x) | 8.4737% | 2,183 |
| Efficiency ratio | 82.0912% | 2,519 |
| Assets per employee ($millions) | 4.2173% | 3,231 |
| Cash dividends to net income (ytd only)* | 8.5106% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 5,877 |
| Loan loss allowance to noncurrent loans | 48.0271% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 3.5981% | 1,479 |
| Noncurrent loans to loans | 2.1615% | 3,033 |
| Net loans and leases to total assets | 65.2182% | 4,764 |
| Net loans and leases to deposits | 72.3315% | 5,705 |
| Net loans and leases to core deposits | 84.6696% | 6,010 |
| Total domestic deposits to total assets | 90.1657% | 722 |
| Equity capital to assets | 9.4953% | 4,669 |
| Core capital (leverage) ratio | 9.5609% | 3,914 |
| Tier 1 risk-based capital ratio | 14.8195% | 3,148 |
| Total risk-based capital ratio | 15.8975% | 3,163 |
| Memoranda: | ||
| Average total assets | $112,427,500 | 4,837 |
| Average earning assets | $102,139,000 | 4,858 |
| Average equity | $10,789,500 | 5,164 |
| Average total loans | $74,839,000 | 4,814 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2222% | 4,406 |
| Cost of funding earning assets | 3.0765% | 1,584 |
| Net interest margin | 3.1457% | 6,532 |
| Noninterest income to average assets | 0.4134% | 5,364 |
| Noninterest expense to average assets | 2.6408% | 5,483 |
| Loan and lease loss provision to assets | 0.1069% | 6,009 |
| Net operating income to assets | 0.4286% | 5,036 |
| Return on assets (ROA) | 0.4286% | 4,853 |
| Pretax return on assets | 0.5408% | 4,877 |
| Return on Equity (ROE) | 4.5814% | 4,560 |
| Retained earnings to average equity (ytd only) | 4.1052% | 2,579 |
| Net charge-offs to loans | 0.1380% | 4,843 |
| Credit loss provision to net charge-offs | 115.3846% | 4,676 |
| Earnings coverage of net charge-offs (x) | 6.9904% | 3,221 |
| Efficiency ratio | 80.3034% | 2,551 |
| Assets per employee ($millions) | 3.8272% | 3,910 |
| Cash dividends to net income (ytd only)* | 10.3950% | 4,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 5,784 |
| Loan loss allowance to noncurrent loans | 53.2225% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 3.5752% | 1,235 |
| Noncurrent loans to loans | 1.9334% | 2,856 |
| Net loans and leases to total assets | 66.5558% | 4,745 |
| Net loans and leases to deposits | 73.8830% | 5,860 |
| Net loans and leases to core deposits | 85.8373% | 6,146 |
| Total domestic deposits to total assets | 90.0827% | 618 |
| Equity capital to assets | 9.7010% | 4,422 |
| Core capital (leverage) ratio | 9.6555% | 3,819 |
| Tier 1 risk-based capital ratio | 14.9508% | 3,069 |
| Total risk-based capital ratio | 16.0387% | 3,075 |
| Memoranda: | ||
| Average total assets | $112,237,400 | 4,717 |
| Average earning assets | $102,584,400 | 4,725 |
| Average equity | $10,499,000 | 5,264 |
| Average total loans | $75,346,400 | 4,677 |