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Letter portraitLegal landscapeQuarterYTD

Citizens State Bank of Pomona, The

Pomona, KS · Cert 17141

FDIC

Q2 2009

$24.5MAssets
$16.3MLoans
$22.6MDeposits
$1.8MEquity
Deposit mix
90%Interest-bearing $20.4M10%Noninterest $2.2MQ2 2008Q2 2009

NIM

6.77%Q2 ’076.57%Q2 ’085.54%Q2 ’09+16%-11%

Non-interest income vs. expense

3.47%Q2 ’074.08%Q2 ’084.62%Q2 ’09+24%+27%

Executive Summary

  • Earnings: ROA of -0.97%, up 66 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.73%.
  • Funding: loans stand at 72.03% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-0.97%+66 bps YoY

Net Interest Margin (YTD, annualized)

3.75%-47 bps YoY

Efficiency Ratio (YTD, annualized)

98.23%+2,289 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-1.63%-0.98%-0.91%-1.16%-0.97%+66 bps
Return on Equity-19.53%-11.75%-10.87%-14.39%-12.43%+710 bps
Net Interest Margin4.22%4.30%4.45%3.63%3.75%-47 bps
Efficiency Ratio75.34%77.44%82.93%109.33%98.23%+2,289 bps
Non-Interest Burden2.89%3.06%3.49%4.05%3.67%+79 bps
Growth
Asset Growth (YoY)-1.76%-4.62%-5.06%-6.63%1.14%+290 bps
Loan Growth (YoY)-10.92%-13.07%-15.66%-11.05%-2.18%+874 bps
Deposit Growth (YoY)-0.92%-1.91%-3.83%-5.75%1.95%+287 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans4.05%3.09%2.49%2.55%3.73%-33 bps
Allowance / Loans1.87%1.88%2.29%2.08%1.45%-42 bps
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 Capital13.13%14.17%14.45%13.50%12.94%-18 bps
Equity / Assets7.78%8.30%8.57%7.59%7.24%-54 bps
Liquidity & Funding
Loans / Deposits75.07%76.17%75.89%71.63%72.03%-304 bps
Liquid Assets / Assets0.00%1.28%1.34%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a