PackageTrendsPeer
Letter portraitLegal landscape

Citizens Security Bank (Guam), Inc.

Hagatna, GU · Cert 33316

FDIC · 3 branches

Q4 2023

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 2023, the quarter ended December 31, 2023, 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 Security Bank (Guam), Inc.

Hagatna, GU · Cert 33316

FDIC · 3 branches

Q4 2023

$37.4MAssets
n/aLoans
n/aDeposits
$27.0MEquity
Loan mix
84%RE $3.5M12%C&I $0.5M4%Consumer $0.1MQ4 2022Q4 2023
Deposit mix
0%Interest-bearing $0100%Noninterest $0Q4 2022Q4 2023

NIM

0.99%Q4 ’213.31%Q4 ’227.05%Q4 ’23+242%+118%

Non-interest income vs. expense

2.68%Q4 ’218.48%Q4 ’2233.82%Q4 ’23+333%+380%

Executive Summary

  • Earnings: ROA of -18.49%, down 1,667 bps year over year; NIM at 7.04%.
  • Capital: tier 1 leverage ratio of 70.67%, up 4,966 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

-18.49%-1,667 bps YoY

Net Interest Margin (YTD, annualized)

7.04%+381 bps YoY

Efficiency Ratio (YTD, annualized)

434%+25,730 bps YoY

Tier 1 Leverage Ratio

70.67%+4,966 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023YoY ΔTrend
Earnings
Return on Assets-1.82%-17.39%-20.73%-18.57%-18.49%-1,667 bps
Return on Equity-13.46%-50.88%-50.81%-41.04%-38.30%-2,484 bps
Net Interest Margin3.23%4.95%7.14%7.76%7.04%+381 bps
Efficiency Ratio176.20%322%458%345%434%+25,730 bps
Non-Interest Burden6.89%15.75%32.99%34.97%33.06%+2,617 bps
Growth
Asset Growth (YoY)-65.73%-84.49%-89.53%-81.44%-75.07%-934 bps
Loan Growth (YoY)-92.47%-94.43%-93.83%-100.00%-100.00%-753 bps
Deposit Growth (YoY)-71.98%-92.02%-97.61%-94.30%-100.00%-2,802 bps
Asset Quality
Nonperforming Loans / Loans25.23%44.59%61.71%n/an/an/a
Net Charge-Offs / Loans22.76%34.99%-101.29%1003%n/an/a
Allowance / Loans28.17%33.27%95.26%n/an/an/a
Allowance Coverage of NPLs1.1x0.7x1.5xn/an/an/a
Capital
Tier 1 Leverage Ratio21.02%39.54%60.61%74.76%70.67%+4,966 bps
Total Risk-Based Capital21.02%39.54%60.61%74.76%70.67%+4,966 bps
Equity / Assets26.21%52.20%76.91%74.49%72.25%+4,605 bps
Liquidity & Funding
Loans / Deposits3.81%9.18%33.09%0.00%n/an/a
Liquid Assets / Assets94.06%94.12%97.09%97.20%9.97%-8,409 bps
CRE / Total Capitaln/an/an/an/an/an/an/a