PackageTrendsPeer
Letter portraitLegal landscape

Citizens Bank National Assn

Shawano, WI · Cert 15155

FDIC

Q1 1999

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: Q1 1999, the quarter ended March 31, 1999, 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 National Assn

Shawano, WI · Cert 15155

FDIC

Q1 1999

$152.2MAssets
$78.4MLoans
$122.2MDeposits
n/aEquity

NIM

NIM decomposition not available for this institution

Non-interest income vs. expense

Non-interest trend not available for this institution

Executive Summary

  • Earnings: ROA of 0.53%, down 125 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 64.14% of deposits as of Q1 1999.

Financial Results

Return on Assets (YTD, annualized)

0.53%-125 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets1.78%1.53%1.13%0.99%0.53%-125 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-7.07%-9.37%-13.18%1.31%9.24%+1,631 bps
Loan Growth (YoY)-9.14%-15.97%-21.42%-20.05%-11.02%-188 bps
Deposit Growth (YoY)-8.86%-10.03%-10.62%-6.73%4.70%+1,356 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
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 Capitaln/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits75.47%73.36%70.66%66.72%64.14%-1,133 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a