Home > The Citizens National Bank of Akron > Performance and Condition Ratios
The Citizens National Bank of Akron, 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 | 5.7245% | 3,213 |
| Cost of funding earning assets | 1.5241% | 5,736 |
| Net interest margin | 4.2003% | 2,061 |
| Noninterest income to average assets | 0.2798% | 6,232 |
| Noninterest expense to average assets | 2.7843% | 4,954 |
| Loan and lease loss provision to assets | 0.0685% | 6,677 |
| Net operating income to assets | 1.1169% | 1,685 |
| Return on assets (ROA) | 1.1080% | 1,768 |
| Pretax return on assets | 1.4136% | 1,663 |
| Return on Equity (ROE) | 5.9799% | 3,539 |
| Retained earnings to average equity (ytd only) | 3.6681% | 3,238 |
| Net charge-offs to loans | 0.0043% | 6,918 |
| Credit loss provision to net charge-offs | 2,400.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 524.3008% | 65 |
| Efficiency ratio | 65.0868% | 5,536 |
| Assets per employee ($millions) | 3.1357% | 5,820 |
| Cash dividends to net income (ytd only)* | 38.6608% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 4,901 |
| Loan loss allowance to noncurrent loans | 1,515.3846% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 7,248 |
| Noncurrent loans to loans | 0.0819% | 7,282 |
| Net loans and leases to total assets | 66.6893% | 4,263 |
| Net loans and leases to deposits | 84.4793% | 3,571 |
| Net loans and leases to core deposits | 96.2120% | 4,788 |
| Total domestic deposits to total assets | 78.9417% | 5,825 |
| Equity capital to assets | 18.8685% | 427 |
| Core capital (leverage) ratio | 18.3184% | 433 |
| Tier 1 risk-based capital ratio | 26.8633% | 758 |
| Total risk-based capital ratio | 28.0879% | 741 |
| Memoranda: | ||
| Average total assets | $46,689,500 | 6,887 |
| Average earning assets | $44,439,750 | 6,798 |
| Average equity | $8,651,000 | 5,772 |
| Average total loans | $30,659,000 | 6,644 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 3,530 |
| Cost of funding earning assets | 1.5530% | 5,908 |
| Net interest margin | 4.1490% | 2,161 |
| Noninterest income to average assets | 0.1975% | 6,876 |
| Noninterest expense to average assets | 2.7913% | 4,994 |
| Loan and lease loss provision to assets | 0.0644% | 6,569 |
| Net operating income to assets | 0.9963% | 2,122 |
| Return on assets (ROA) | 0.9963% | 2,218 |
| Pretax return on assets | 1.2883% | 2,058 |
| Return on Equity (ROE) | 5.4102% | 3,900 |
| Retained earnings to average equity (ytd only) | 3.0782% | 3,602 |
| Net charge-offs to loans | 0.0066% | 6,508 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 315.0000% | 121 |
| Efficiency ratio | 67.3575% | 5,282 |
| Assets per employee ($millions) | 3.2033% | 5,579 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 4,610 |
| Loan loss allowance to noncurrent loans | 1,425.9259% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 7,242 |
| Noncurrent loans to loans | 0.0876% | 7,305 |
| Net loans and leases to total assets | 63.3278% | 5,116 |
| Net loans and leases to deposits | 78.6523% | 4,757 |
| Net loans and leases to core deposits | 89.8459% | 5,547 |
| Total domestic deposits to total assets | 80.5161% | 5,272 |
| Equity capital to assets | 17.9459% | 556 |
| Core capital (leverage) ratio | 17.9222% | 517 |
| Tier 1 risk-based capital ratio | 26.6825% | 800 |
| Total risk-based capital ratio | 27.8860% | 784 |
| Memoranda: | ||
| Average total assets | $46,574,000 | 6,958 |
| Average earning assets | $44,300,330 | 6,870 |
| Average equity | $8,576,330 | 5,825 |
| Average total loans | $30,291,330 | 6,719 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7914% | 3,347 |
| Cost of funding earning assets | 1.5628% | 6,189 |
| Net interest margin | 4.2286% | 1,811 |
| Noninterest income to average assets | 0.1920% | 6,923 |
| Noninterest expense to average assets | 2.7140% | 4,933 |
| Loan and lease loss provision to assets | 0.0524% | 6,303 |
| Net operating income to assets | 1.1258% | 1,876 |
| Return on assets (ROA) | 1.1258% | 2,001 |
| Pretax return on assets | 1.4399% | 1,847 |
| Return on Equity (ROE) | 6.0330% | 4,027 |
| Retained earnings to average equity (ytd only) | 3.6946% | 3,847 |
| Net charge-offs to loans | 0.0133% | 5,417 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 249 |
| Efficiency ratio | 64.5228% | 5,596 |
| Assets per employee ($millions) | 3.0145% | 6,113 |
| Cash dividends to net income (ytd only)* | 38.7597% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 4,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 7,369 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 65.2321% | 4,758 |
| Net loans and leases to deposits | 83.1154% | 4,113 |
| Net loans and leases to core deposits | 94.0381% | 5,144 |
| Total domestic deposits to total assets | 78.4838% | 5,866 |
| Equity capital to assets | 19.0592% | 491 |
| Core capital (leverage) ratio | 18.6904% | 475 |
| Tier 1 risk-based capital ratio | 27.6005% | 782 |
| Total risk-based capital ratio | 28.8238% | 761 |
| Memoranda: | ||
| Average total assets | $45,836,000 | 7,035 |
| Average earning assets | $43,513,000 | 6,957 |
| Average equity | $8,553,000 | 5,864 |
| Average total loans | $30,030,000 | 6,761 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0345% | 5,394 |
| Cost of funding earning assets | 2.0536% | 6,222 |
| Net interest margin | 3.9809% | 3,212 |
| Noninterest income to average assets | 0.2985% | 6,325 |
| Noninterest expense to average assets | 2.7358% | 5,104 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0662% | 2,273 |
| Return on assets (ROA) | 1.0662% | 2,184 |
| Pretax return on assets | 1.3285% | 2,210 |
| Return on Equity (ROE) | 6.0368% | 3,926 |
| Retained earnings to average equity (ytd only) | 3.6221% | 2,896 |
| Net charge-offs to loans | 0.0171% | 6,632 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 124.6000% | 359 |
| Efficiency ratio | 67.3137% | 4,849 |
| Assets per employee ($millions) | 3.5735% | 4,490 |
| Cash dividends to net income (ytd only)* | 40.0000% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 4,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 7,282 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.1847% | 5,237 |
| Net loans and leases to deposits | 84.4507% | 4,350 |
| Net loans and leases to core deposits | 94.4084% | 5,415 |
| Total domestic deposits to total assets | 76.0026% | 6,238 |
| Equity capital to assets | 18.2714% | 618 |
| Core capital (leverage) ratio | 18.2422% | 581 |
| Tier 1 risk-based capital ratio | 25.3532% | 961 |
| Total risk-based capital ratio | 26.4733% | 948 |
| Memoranda: | ||
| Average total assets | $46,896,400 | 6,902 |
| Average earning assets | $44,361,400 | 6,843 |
| Average equity | $8,282,600 | 5,983 |
| Average total loans | $29,177,600 | 6,761 |