PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens State Bank, The

Miltonvale, KS · Cert 17315

FDIC

Q1 2013

$29.7MAssets
$13.3MLoans
$26.5MDeposits
$2.9MEquity
Loan mix
80%RE $4.6M11%C&I $0.6M9%Consumer $0.5MQ1 2012Q1 2013
Deposit mix
74%Interest-bearing $19.5M26%Noninterest $7.0MQ1 2012Q1 2013

NIM

4.50%Q1 ’113.81%Q1 ’121.96%Q1 ’13-15%-47%

Non-interest income vs. expense

2.74%Q1 ’112.66%Q1 ’121.32%Q1 ’13-2%-51%

Executive Summary

  • Earnings: ROA of 0.77%, down 33 bps year over year; NIM at 1.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.06%.
  • Funding: loans stand at 50.27% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

0.77%1-33 bps YoY

Net Interest Margin (YTD, annualized)

1.58%-139 bps YoY

Efficiency Ratio (YTD, annualized)

74.07%-926 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets1.10%1.24%1.14%0.91%0.77%1-33 bps
Return on Equity10.05%11.90%11.33%9.55%8.93%-112 bps
Net Interest Margin2.97%2.54%2.51%2.50%1.58%-139 bps
Efficiency Ratio83.33%77.53%76.04%82.38%74.07%-926 bps
Non-Interest Burden2.44%1.93%1.87%2.03%1.21%-123 bps
Growth
Asset Growth (YoY)5.62%23.17%24.50%17.42%-3.88%-950 bps
Loan Growth (YoY)-8.19%-12.38%-9.07%-10.29%3.44%+1,164 bps
Deposit Growth (YoY)4.99%25.80%27.87%22.29%-3.94%-893 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%-0.06%-6 bps
Allowance / Loans1.44%1.46%1.39%1.54%0.09%-135 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 Capital20.87%19.52%18.27%16.26%16.19%-468 bps
Equity / Assets10.59%9.51%9.13%7.71%9.72%-87 bps
Liquidity & Funding
Loans / Deposits46.68%39.87%40.04%38.75%50.27%+359 bps
Liquid Assets / Assets13.69%7.87%3.41%6.90%0.70%-1,299 bps
CRE / Total Capitaln/an/an/an/an/an/an/a