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Citizens State Bank

Grainfield, KS · Cert 18077

FDIC · 1 branch

Q2 2014

$11.5MAssets
$4.1MLoans
$10.4MDeposits
$1.1MEquity
Loan mix
71%RE $2.0M23%C&I $0.6M6%Consumer $0.2MQ2 2013Q2 2014
Deposit mix
58%Interest-bearing $6.0M42%Noninterest $4.4MQ2 2013Q2 2014

NIM

2.52%Q2 ’122.02%Q2 ’132.24%Q2 ’14-20%+16%

Non-interest income vs. expense

1.96%Q2 ’121.48%Q2 ’131.67%Q2 ’14-35%+30%

Executive Summary

  • Earnings: ROA of 0.54%, down 4 bps year over year; NIM at 2.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 39.28% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

0.54%-4 bps YoY

Net Interest Margin (YTD, annualized)

2.09%+29 bps YoY

Efficiency Ratio (YTD, annualized)

76.15%+484 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.58%0.44%0.40%0.57%0.54%-4 bps
Return on Equity7.24%5.45%4.93%6.76%6.15%-109 bps
Net Interest Margin1.80%1.74%1.83%1.91%2.09%+29 bps
Efficiency Ratio71.32%76.09%78.54%75.00%76.15%+484 bps
Non-Interest Burden1.20%1.28%1.41%1.41%1.57%+36 bps
Growth
Asset Growth (YoY)17.48%11.26%-0.80%-0.30%-11.22%-2,870 bps
Loan Growth (YoY)-17.72%-19.61%-6.24%12.83%17.73%+3,545 bps
Deposit Growth (YoY)18.95%12.16%-1.34%-0.81%-12.59%-3,154 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%-0.03%0.00%0.00%0 bps
Allowance / Loans1.15%1.18%1.05%1.02%1.00%-15 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 Capital25.85%26.61%23.87%23.64%24.87%-97 bps
Equity / Assets8.05%8.32%8.49%8.49%9.48%+143 bps
Liquidity & Funding
Loans / Deposits29.16%29.30%34.39%34.60%39.28%+1,011 bps
Liquid Assets / Assets13.81%14.19%14.33%14.06%15.46%+165 bps
CRE / Total Capitaln/an/an/an/an/an/an/a