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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

4.40%Q3 ’034.45%Q3 ’045.43%Q3 ’05+11%+16%

Non-interest income vs. expense

2.31%Q3 ’033.86%Q3 ’042.40%Q3 ’05+72%-42%

Executive Summary

  • Earnings: ROA of 1.60%, up 231 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.11%.
  • Funding: loans stand at 67.79% of deposits as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

1.60%+231 bps YoY

Net Interest Margin (quarter, annualized)

3.47%+49 bps YoY

Efficiency Ratio (quarter, annualized)

56.86%-5,817 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets-0.71%0.73%0.60%1.54%1.60%+231 bps
Return on Equity-7.03%8.16%6.84%16.96%16.88%+2,391 bps
Net Interest Margin2.98%3.14%3.06%3.16%3.47%+49 bps
Efficiency Ratio115.03%53.35%57.59%59.86%56.86%-5,817 bps
Non-Interest Burden3.48%1.43%1.55%1.69%2.01%-147 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 / Loans-0.04%0.03%0.00%0.00%-0.11%-7 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