PackageTrendsPeer
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

6.68%Q2 ’076.37%Q2 ’085.51%Q2 ’09+30%-10%

Non-interest income vs. expense

3.43%Q2 ’073.99%Q2 ’084.36%Q2 ’09+23%+25%

Executive Summary

  • Earnings: ROA of -0.77%, up 279 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.98%.
  • Funding: loans stand at 72.03% of deposits as of Q2 2009.

Financial Results

Return on Assets (quarter, annualized)

-0.77%+279 bps YoY

Net Interest Margin (quarter, annualized)

3.96%-42 bps YoY

Efficiency Ratio (quarter, annualized)

88.18%+1,789 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-3.57%0.37%-0.69%-1.16%-0.77%+279 bps
Return on Equity-44.41%4.62%-8.17%-14.39%-10.44%+3,397 bps
Net Interest Margin4.38%4.19%4.22%3.63%3.96%-42 bps
Efficiency Ratio70.29%81.90%101.37%109.33%88.18%+1,789 bps
Non-Interest Burden2.69%3.23%4.29%4.05%3.37%+68 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 / Loans7.34%0.82%0.24%2.55%4.98%-236 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