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Citizens Home Bank

Greenfield, MO · Cert 1949

FDIC

Q3 2005

$106.9MAssets
$60.5MLoans
$89.3MDeposits
$10.1MEquity
Deposit mix
91%Interest-bearing $80.9M9%Noninterest $8.4MQ3 2004Q3 2005

NIM

4.54%Q3 ’034.48%Q3 ’045.09%Q3 ’05+14%+10%

Non-interest income vs. expense

2.47%Q3 ’032.96%Q3 ’042.25%Q3 ’05+21%-32%

Executive Summary

  • Earnings: ROA of 1.24%, up 111 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 67.79% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

1.24%+111 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+30 bps YoY

Efficiency Ratio (YTD, annualized)

58.10%-3,086 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.13%0.28%0.60%1.06%1.24%+111 bps
Return on Equity1.24%2.67%6.84%11.76%13.57%+1,233 bps
Net Interest Margin2.98%3.17%3.06%3.12%3.28%+30 bps
Efficiency Ratio88.96%79.82%57.59%58.74%58.10%-3,086 bps
Non-Interest Burden2.61%2.44%1.55%1.63%1.78%-83 bps
Growth
Asset Growth (YoY)-3.95%-4.35%-8.25%-7.18%-4.02%-7 bps
Loan Growth (YoY)-2.81%-4.39%-2.67%-2.87%2.56%+537 bps
Deposit Growth (YoY)-1.57%-2.06%-5.25%-5.63%-11.80%-1,023 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.02%0.00%0.00%-0.04%-5 bps
Allowance / Loans1.20%1.19%1.22%1.23%1.19%-1 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 Capital12.90%15.11%15.51%15.97%14.86%+196 bps
Equity / Assets8.93%9.01%8.58%9.55%9.43%+51 bps
Liquidity & Funding
Loans / Deposits58.29%59.73%59.35%59.54%67.79%+949 bps
Liquid Assets / Assets0.26%0.00%0.00%0.00%0.00%-26 bps
CRE / Total Capitaln/an/an/an/an/an/an/a