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Citizens National Bank of Nashville

Nashville, AR · Cert 21746

FDIC

Q4 2004

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: Q4 2004, the quarter ended December 31, 2004, 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 National Bank of Nashville

Nashville, AR · Cert 21746

FDIC

Q4 2004

$45.9MAssets
$18.2MLoans
$38.0MDeposits
$7.9MEquity
Deposit mix
87%Interest-bearing $33.2M13%Noninterest $4.8MQ4 2003Q4 2004

NIM

5.82%Q4 ’024.94%Q4 ’035.03%Q4 ’04-6%+9%

Non-interest income vs. expense

2.10%Q4 ’022.04%Q4 ’032.11%Q4 ’04-3%-1%

Executive Summary

  • Earnings: ROA of 1.52%, up 8 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.30%.
  • Funding: loans stand at 47.93% of deposits as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

1.52%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+33 bps YoY

Efficiency Ratio (YTD, annualized)

44.96%-265 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets1.44%1.54%1.60%1.47%1.52%+8 bps
Return on Equity9.67%9.78%10.10%9.10%9.30%-37 bps
Net Interest Margin3.58%3.73%3.97%4.00%3.91%+33 bps
Efficiency Ratio47.60%49.45%45.48%44.38%44.96%-265 bps
Non-Interest Burden1.33%1.41%1.37%1.32%1.32%-1 bps
Growth
Asset Growth (YoY)8.52%-0.76%-2.03%-7.84%-4.72%-1,324 bps
Loan Growth (YoY)-9.52%-12.49%-12.33%-11.49%-14.99%-548 bps
Deposit Growth (YoY)7.09%-2.71%-5.14%-7.09%-5.65%-1,273 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.29%-0.08%1.06%1.53%1.30%+100 bps
Allowance / Loans1.33%1.39%1.06%0.99%1.11%-22 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 Capital32.40%33.93%33.48%34.65%38.22%+582 bps
Equity / Assets15.13%16.37%15.98%17.05%17.18%+205 bps
Liquidity & Funding
Loans / Deposits53.21%54.21%54.96%55.06%47.93%-527 bps
Liquid Assets / Assets0.36%0.38%0.38%0.38%0.39%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a