PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens Bank

Ball Ground, GA · Cert 153

FDIC

Q1 1996

$101.9MAssets
$50.4MLoans
$91.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.61%, up 43 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 54.88% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

1.61%+43 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 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets2.33%1.93%1.67%1.17%1.41%1.45%1.45%1.61%+43 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)n/an/an/a9.15%8.15%7.32%8.64%12.12%+297 bps
Loan Growth (YoY)n/an/an/a26.69%19.68%25.07%25.88%23.22%-347 bps
Deposit Growth (YoY)n/an/an/a9.14%7.75%6.48%7.15%11.84%+270 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 / Deposits45.17%46.21%50.34%49.82%50.17%54.28%59.14%54.88%+507 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