PackageTrendsPeer
Letter portraitLegal landscape

Citizens State Bank

Liberal, KS · Cert 1145

FDIC

Q2 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2004, the quarter ended June 30, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens State Bank

Liberal, KS · Cert 1145

FDIC

Q2 2004

$57.2MAssets
$24.3MLoans
$50.0MDeposits
$6.0MEquity
Loan mix
45%RE $4.0M54%C&I $4.8M0%Consumer $0.0MQ2 2003Q2 2004
Deposit mix
75%Interest-bearing $37.6M25%Noninterest $12.4MQ2 2003Q2 2004

NIM

6.11%Q2 ’024.99%Q2 ’034.73%Q2 ’04-17%+2%

Non-interest income vs. expense

4.12%Q2 ’023.68%Q2 ’033.49%Q2 ’04-17%-4%

Executive Summary

  • Earnings: ROA of 0.32%, down 20 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.13%.
  • Funding: loans stand at 48.68% of deposits as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

0.32%-20 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+9 bps YoY

Efficiency Ratio (YTD, annualized)

77.88%-428 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets0.52%0.55%0.62%0.63%0.32%-20 bps
Return on Equity5.04%5.34%6.08%6.11%3.10%-194 bps
Net Interest Margin3.72%3.50%3.55%3.82%3.81%+9 bps
Efficiency Ratio82.16%80.79%80.03%78.52%77.88%-428 bps
Non-Interest Burden2.92%2.70%2.72%2.90%2.82%-10 bps
Growth
Asset Growth (YoY)7.51%11.37%6.67%1.94%-3.54%-1,105 bps
Loan Growth (YoY)-13.35%-5.40%-3.15%1.00%0.45%+1,380 bps
Deposit Growth (YoY)7.41%12.64%7.46%1.61%-2.83%-1,023 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.72%-0.49%-0.41%-0.15%-0.13%+59 bps
Allowance / Loans3.68%3.70%3.74%3.72%4.61%+93 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital19.49%19.36%20.02%20.41%20.92%+144 bps
Equity / Assets10.53%9.88%10.03%10.54%10.50%-3 bps
Liquidity & Funding
Loans / Deposits47.10%44.29%44.58%46.65%48.68%+159 bps
Liquid Assets / Assets6.50%5.94%5.90%6.25%6.16%-35 bps
CRE / Total Capitaln/an/an/an/an/an/an/a