PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens Bank of the Ozarks

Camdenton, MO · Cert 17033

FDIC

Q1 2001

$34.8MAssets
$18.0MLoans
$31.0MDeposits
$3.7MEquity
Deposit mix
86%Interest-bearing $26.8M14%Noninterest $4.3MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.50%+25 bps YoY

Net Interest Margin (quarter, annualized)

3.54%

Efficiency Ratio (quarter, annualized)

81.53%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.25%-0.04%0.16%0.26%0.50%+25 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.54%n/an/a
Efficiency Ration/an/an/an/a81.53%n/an/a
Non-Interest Burdenn/an/an/an/a2.78%n/an/a
Growth
Asset Growth (YoY)-4.07%-9.25%-8.78%-5.26%2.10%+617 bps
Loan Growth (YoY)9.67%3.91%-4.48%-9.05%-8.71%-1,838 bps
Deposit Growth (YoY)-4.67%-10.00%-9.26%-3.21%2.59%+726 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a2.04%n/an/a
Allowance / Loansn/an/an/an/a1.68%n/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/a23.47%n/an/a
Equity / Assetsn/an/an/an/a10.60%n/an/a
Liquidity & Funding
Loans / Deposits65.28%66.20%64.11%61.07%58.09%-719 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%15.91%+1,591 bps
CRE / Total Capitaln/an/an/an/an/an/an/a