PackageTrendsPeer
Letter portraitLegal landscape

Citizens Bank

Westminster, CO · Cert 20137

FDIC

Q3 1998

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 1998, the quarter ended September 30, 1998, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens Bank

Westminster, CO · Cert 20137

FDIC

Q3 1998

$51.8MAssets
$26.0MLoans
$46.6MDeposits
n/aEquity

NIM

NIM decomposition not available for this institution

Non-interest income vs. expense

Non-interest trend not available for this institution

Executive Summary

  • Earnings: ROA of 1.54%, down 5 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 55.85% of deposits as of Q3 1998.

Financial Results

Return on Assets (YTD, annualized)

1.54%-5 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets1.59%1.74%1.60%1.56%1.54%-5 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)1.55%6.41%0.09%10.58%11.79%+1,024 bps
Loan Growth (YoY)6.04%9.25%6.53%3.29%-1.48%-752 bps
Deposit Growth (YoY)2.10%7.96%-0.89%11.16%12.46%+1,036 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
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 Capitaln/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits63.76%61.56%61.07%60.20%55.85%-790 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a