PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens Bank National Assn

Shawano, WI · Cert 15155

FDIC

Q1 1999

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

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.

Return on Assets (YTD, annualized)

0.53%-125 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets0.33%0.45%-0.96%1.78%1.53%1.13%0.99%0.53%-125 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-5.89%-0.23%-4.07%-7.07%-9.37%-13.18%1.31%9.24%+1,631 bps
Loan Growth (YoY)-4.16%1.29%-1.57%-9.14%-15.97%-21.42%-20.05%-11.02%-188 bps
Deposit Growth (YoY)-5.57%-2.96%-4.15%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits78.54%80.37%77.84%75.47%73.36%70.66%66.72%64.14%-1,133 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a