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Net Charge Offs to Average Loans % is the net charge-offs divided by the average total loans during a specific period. This ratio measures the proportion of debt owed to a company that is unlikely to be recovered. A higher ratio means there’s more bad debt that is unlikely to be collected, which leads investors to believe it has a very risky portfolio.
Citizens Community Bancorp's Net Charge Offs to Average Loans % for the quarter that ended in Dec. 2023 was 0.03% , which is higher than -0.04% for the pervious quarter ended in Sep. 2023.
Citizens Community Bancorp's Net Charge Offs to Average Loans % for the annual that ended in Dec. 2023 was 0.03% , which is the same as 0.03% for the pervious year ended in Dec. 2022.
The historical rank and industry rank for Citizens Community Bancorp's Net Charge Offs to Average Loans % or its related term are showing as below:
The historical data trend for Citizens Community Bancorp's Net Charge Offs to Average Loans % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citizens Community Bancorp Annual Data | |||||||||||
Trend | Dec19 | Dec20 | Dec21 | Dec22 | Dec23 | ||||||
Net Charge Offs to Average Loans % | Get a 7-Day Free Trial | ||||||||||
Capital Adequacy Tier - Tier 1 Ratio % | Get a 7-Day Free Trial | ||||||||||
Capital Adequacy Tier - Leverage Ratio % | Get a 7-Day Free Trial | ||||||||||
Capital Adequacy Tier - Total Capital Ratio % | Get a 7-Day Free Trial | ||||||||||
Efficiency Overhead Ratio % | Get a 7-Day Free Trial |
Citizens Community BancorpQuarterly Data | |||||||||||||||||||||||||||||||||||||||||
Trend | Mar18 | Jun18 | Mar19 | Jun19 | Sep19 | Mar20 | Jun20 | Sep20 | Mar21 | Jun21 | Sep21 | Dec21 | Mar22 | Jun22 | Sep22 | Dec22 | Mar23 | Jun23 | Sep23 | Dec23 | |||||||||||||||||||||
Net Charge Offs to Average Loans % | Get a 7-Day Free Trial | ||||||||||||||||||||||||||||||||||||||||
Capital Adequacy Tier - Tier 1 Ratio % | Get a 7-Day Free Trial | ||||||||||||||||||||||||||||||||||||||||
Capital Adequacy Tier - Leverage Ratio % | Get a 7-Day Free Trial | ||||||||||||||||||||||||||||||||||||||||
Capital Adequacy Tier - Total Capital Ratio % | Get a 7-Day Free Trial | ||||||||||||||||||||||||||||||||||||||||
Efficiency Overhead Ratio % | Get a 7-Day Free Trial |
For the Banks - Regional subindustry, Citizens Community Bancorp's Net Charge Offs to Average Loans %, along with its competitors' market caps and Net Charge Offs to Average Loans % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Net Charge Offs to Average Loans % is calculated as
Net Charge Offs to Average Loans % | = | Net Charge-offs | / | Average Total Loans |
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citizens Community Bancorp (NAS:CZWI) Net Charge Offs to Average Loans % Explanation
A Net Charge-off (NCO) is the dollar amount representing the difference between gross charge-offs and any subsequent recoveries of delinquent debt. The bad debt often needs to be written off and classified as gross charge-off. If any money is recovered from that debt, the recovered amount needs to be subtracted from gross charge-off, which is how we get the net charge-off.
Net Charge Offs to Average Loans % represents the amount of debt that a company believes it will never collect and is an indicator of a financial institution's loan portfolio performance. A higher ratio, especially when compared to the previous period or to other banks, would suggest that there’s more bad debt that is unlikely to be collected and the loan portfolio may be too risky.
Thank you for viewing the detailed overview of Citizens Community Bancorp's Net Charge Offs to Average Loans % provided by GuruFocus.com. Please click on the following links to see related term pages.
Stephen M Bianchi | officer: CEO and President | 225 S. MAIN AVENUE, SIOUX FALLS SD 57104 |
Kristina M Bourget | director | 1703 PINE PARK DRIVE, EAU CLAIRE WI 54701 |
Kathleen Skarvan | other: Director of Subsidiary | 40 WEST HIGHLAND PARK DR NE, HUTCHINSON MN 55350 |
James S Broucek | officer: Chief Financial Officer | |
Timothy L Olson | director | 2727 PINE VIEW ROAD, EAU CLAIRE WI 54703 |
James D Moll | director | 400 9TH AVE SW, WELLS MN 56097 |
Francis E Felber | director | 754 OAK ST, BARRON WI 54812 |
William Glen Bertrand | other: Director of Subsidiary | E3420 N PINECREEK ROAD, ELEVA WI 54738 |
Richard Mchugh | director, other: Chairman | C/O CITIZENS COMMUNITY BANCORP, 2174 EASTRIDGE CENTER, EAU CLAIRE WI 54701 |
Nicholas William Amundsen | other: Director of Subsidiary | S4443 RYGG ROAD, EAU CLAIRE WI 54701 |
Martin S. Friedman | 10 percent owner | 7901 JONES BRANCH DR. SUITE 210, MCLEAN VA 22102 |
James R Lang | director | 2194 EASTRIDGE CENTER, EAU CLAIRE WI 54701 |
Michael R Conner | other: Director of Subsidiary | 1124 CUMMINGS COURT, EAU CLAIRE WI 54701 |
Brian R Schilling | director | C/O CITIZENS COMMUNITY BANCORP, 2174 EASTRIDGE CENTER, EAU CLAIRE WI 54701 |
Michael L Swenson | director | 1414 WEST HAMILTON AVE., STE 3, EAU CLAIRE WI 54701 |
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