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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

2.50%Q2 ’122.05%Q2 ’132.26%Q2 ’14-19%+16%

Non-interest income vs. expense

1.96%Q2 ’121.48%Q2 ’131.72%Q2 ’14-44%+58%

Executive Summary

  • Earnings: ROA of 0.50%, down 22 bps year over year; NIM at 2.12%.
  • 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 (quarter, annualized)

0.50%-22 bps YoY

Net Interest Margin (quarter, annualized)

2.12%+29 bps YoY

Efficiency Ratio (quarter, annualized)

77.27%+1,248 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.72%0.16%0.29%0.57%0.50%-22 bps
Return on Equity8.93%1.91%3.42%6.76%5.55%-338 bps
Net Interest Margin1.83%1.72%1.98%1.91%2.12%+29 bps
Efficiency Ratio64.79%87.27%85.71%75.00%77.27%+1,248 bps
Non-Interest Burden1.03%1.50%1.69%1.41%1.62%+59 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%-0.10%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