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Citizens Bank of Ashville, Ohio, The

Ashville, OH · Cert 13223

FDIC · 4 branches

Q3 2014

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: Q3 2014, the quarter ended September 30, 2014, 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 Bank of Ashville, Ohio, The

Ashville, OH · Cert 13223

FDIC · 4 branches

Q3 2014

$104.2MAssets
$60.0MLoans
$87.5MDeposits
$8.8MEquity
Loan mix
87%RE $46.4M11%C&I $5.8M2%Consumer $1.2MQ3 2013Q3 2014
Deposit mix
87%Interest-bearing $76.1M13%Noninterest $11.4MQ3 2013Q3 2014

NIM

4.20%Q3 ’123.80%Q3 ’133.79%Q3 ’14-8%+2%

Non-interest income vs. expense

3.91%Q3 ’123.46%Q3 ’133.37%Q3 ’14-12%-6%

Market Position · Columbus, OH · 2014 SOD (annual) · 0.2% share · #30 of 60 inst. · $0.1B of $53.8B

12.9% Pickaway
0.0% Franklin

Executive Summary

  • Earnings: ROA of 0.23%, down 2 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 68.54% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.23%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+7 bps YoY

Efficiency Ratio (YTD, annualized)

85.39%-594 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.26%0.86%0.44%0.35%0.23%-2 bps
Return on Equity3.29%10.72%5.26%4.11%2.74%-54 bps
Net Interest Margin3.19%3.23%3.19%3.16%3.26%+7 bps
Efficiency Ratio91.33%92.49%83.75%83.03%85.39%-594 bps
Non-Interest Burden2.86%2.94%2.53%2.50%2.68%-18 bps
Growth
Asset Growth (YoY)-1.25%-0.12%-0.29%1.93%3.87%+511 bps
Loan Growth (YoY)-2.66%-1.20%5.13%5.36%5.75%+841 bps
Deposit Growth (YoY)-1.12%-0.81%-1.06%2.01%4.48%+560 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.13%0.22%-0.01%0.00%0.02%-11 bps
Allowance / Loans1.65%1.56%1.53%1.50%1.50%-15 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 Capital14.81%15.55%14.96%15.64%15.28%+47 bps
Equity / Assets7.60%8.63%8.29%8.58%8.44%+85 bps
Liquidity & Funding
Loans / Deposits67.71%68.95%67.51%70.42%68.54%+83 bps
Liquid Assets / Assets11.00%11.43%14.08%14.22%12.23%+123 bps
CRE / Total Capitaln/an/an/an/an/an/an/a