Citizens Bank of the Ozarks

Camdenton, MO · Cert 17033

FDIC

Q1 2001

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 2001, the quarter ended March 31, 2001, on both parts.

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

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Camdenton, MO · Cert 17033

FDIC

Q1 2001

$34.8MAssets

$18.0MLoans

$31.0MDeposits

$3.7MEquity

Deposit mix

Earnings: ROA of 0.50%, up 25 bps year over year; NIM at 3.54%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.04%.
Funding: loans stand at 58.09% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.50%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.54%

n/a

Efficiency Ratio (YTD, annualized)

81.53%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	0.63%	0.71%	0.77%	0.25%	-0.04%	0.16%	0.26%	0.50%	+25 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	3.54%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	81.53%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.78%	n/a	n/a
Growth
Asset Growth (YoY)	23.65%	13.30%	2.12%	-4.07%	-9.25%	-8.78%	-5.26%	2.10%	+617 bps
Loan Growth (YoY)	12.09%	8.18%	8.58%	9.67%	3.91%	-4.48%	-9.05%	-8.71%	-1,838 bps
Deposit Growth (YoY)	26.21%	14.33%	-0.61%	-4.67%	-10.00%	-9.26%	-3.21%	2.59%	+726 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.04%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.68%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	23.47%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	10.60%	n/a	n/a
Liquidity & Funding
Loans / Deposits	57.35%	60.90%	64.99%	65.28%	66.20%	64.11%	61.07%	58.09%	-719 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	15.91%	+1,591 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a