Home > The Citizens State Bank of Pomona > Performance and Condition Ratios
The Citizens State Bank of Pomona, 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 | 5.9994% | 2,180 |
| Cost of funding earning assets | 1.9335% | 4,095 |
| Net interest margin | 4.0658% | 2,447 |
| Noninterest income to average assets | 0.9665% | 1,707 |
| Noninterest expense to average assets | 4.6969% | 645 |
| Loan and lease loss provision to assets | 1.6109% | 1,046 |
| Net operating income to assets | -0.9665% | 6,951 |
| Return on assets (ROA) | -0.9665% | 6,953 |
| Pretax return on assets | -1.5261% | 7,099 |
| Return on Equity (ROE) | -12.4296% | 7,196 |
| Retained earnings to average equity (ytd only) | -12.4296% | 7,082 |
| Net charge-offs to loans | 3.8467% | 378 |
| Credit loss provision to net charge-offs | 62.5000% | 5,550 |
| Earnings coverage of net charge-offs (x) | 0.0329% | 5,644 |
| Efficiency ratio | 98.2270% | 1,259 |
| Assets per employee ($millions) | 2.4546% | 7,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 3,481 |
| Loan loss allowance to noncurrent loans | 30.2564% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 3.1899% | 1,968 |
| Noncurrent loans to loans | 4.7832% | 1,308 |
| Net loans and leases to total assets | 65.4730% | 4,670 |
| Net loans and leases to deposits | 70.9850% | 5,871 |
| Net loans and leases to core deposits | 80.8767% | 6,333 |
| Total domestic deposits to total assets | 92.2350% | 176 |
| Equity capital to assets | 7.2395% | 7,458 |
| Core capital (leverage) ratio | 7.3637% | 7,175 |
| Tier 1 risk-based capital ratio | 11.6617% | 5,231 |
| Total risk-based capital ratio | 12.9435% | 5,138 |
| Memoranda: | ||
| Average total assets | $23,590,000 | 7,831 |
| Average earning assets | $22,135,670 | 7,788 |
| Average equity | $1,834,330 | 8,034 |
| Average total loans | $15,805,670 | 7,546 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1732% | 1,678 |
| Cost of funding earning assets | 2.2364% | 2,979 |
| Net interest margin | 3.9368% | 2,901 |
| Noninterest income to average assets | 0.9519% | 1,632 |
| Noninterest expense to average assets | 5.0710% | 461 |
| Loan and lease loss provision to assets | 1.3846% | 926 |
| Net operating income to assets | -1.1596% | 7,341 |
| Return on assets (ROA) | -1.1596% | 7,352 |
| Pretax return on assets | -1.8172% | 7,478 |
| Return on Equity (ROE) | -14.3854% | 7,581 |
| Retained earnings to average equity (ytd only) | -14.3854% | 7,404 |
| Net charge-offs to loans | 2.5972% | 525 |
| Credit loss provision to net charge-offs | 79.2079% | 4,202 |
| Earnings coverage of net charge-offs (x) | -0.2475% | 5,163 |
| Efficiency ratio | 109.3284% | 827 |
| Assets per employee ($millions) | 2.1845% | 7,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0790% | 1,272 |
| Loan loss allowance to noncurrent loans | 26.5109% | 6,807 |
| Noncurrent assets plus other real estate owned to assets | 5.1644% | 859 |
| Noncurrent loans to loans | 7.8420% | 463 |
| Net loans and leases to total assets | 64.4861% | 4,902 |
| Net loans and leases to deposits | 70.1367% | 5,964 |
| Net loans and leases to core deposits | 77.3871% | 6,582 |
| Total domestic deposits to total assets | 91.9434% | 192 |
| Equity capital to assets | 7.5947% | 7,270 |
| Core capital (leverage) ratio | 7.7142% | 6,869 |
| Tier 1 risk-based capital ratio | 12.2152% | 4,779 |
| Total risk-based capital ratio | 13.5028% | 4,652 |
| Memoranda: | ||
| Average total assets | $23,112,000 | 7,897 |
| Average earning assets | $21,642,000 | 7,854 |
| Average equity | $1,863,000 | 8,078 |
| Average total loans | $15,555,000 | 7,606 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8866% | 1,437 |
| Cost of funding earning assets | 2.3420% | 4,958 |
| Net interest margin | 4.5446% | 1,321 |
| Noninterest income to average assets | 1.1206% | 1,243 |
| Noninterest expense to average assets | 4.4614% | 899 |
| Loan and lease loss provision to assets | 2.3634% | 464 |
| Net operating income to assets | -0.9100% | 7,193 |
| Return on assets (ROA) | -0.9100% | 7,117 |
| Pretax return on assets | -1.4450% | 7,231 |
| Return on Equity (ROE) | -10.8707% | 7,337 |
| Retained earnings to average equity (ytd only) | -10.8707% | 7,151 |
| Net charge-offs to loans | 2.2648% | 457 |
| Credit loss provision to net charge-offs | 147.6316% | 3,574 |
| Earnings coverage of net charge-offs (x) | 0.5737% | 5,880 |
| Efficiency ratio | 82.9287% | 2,192 |
| Assets per employee ($millions) | 2.0176% | 7,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2898% | 865 |
| Loan loss allowance to noncurrent loans | 40.0916% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 3.9335% | 1,060 |
| Noncurrent loans to loans | 5.7115% | 668 |
| Net loans and leases to total assets | 67.2930% | 4,589 |
| Net loans and leases to deposits | 74.1559% | 5,825 |
| Net loans and leases to core deposits | 81.1817% | 6,523 |
| Total domestic deposits to total assets | 90.7452% | 408 |
| Equity capital to assets | 8.5654% | 5,987 |
| Core capital (leverage) ratio | 8.2575% | 6,039 |
| Tier 1 risk-based capital ratio | 13.1632% | 4,019 |
| Total risk-based capital ratio | 14.4529% | 3,906 |
| Memoranda: | ||
| Average total assets | $23,737,000 | 7,884 |
| Average earning assets | $22,246,200 | 7,854 |
| Average equity | $1,987,000 | 8,121 |
| Average total loans | $16,778,800 | 7,533 |