PackageTrendsPeer
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Citizens Community Bank of Florida

Marco Island, FL · Cert 34143

FDIC

Q1 2001

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: Q1 2001, the quarter ended March 31, 2001, 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 Community Bank of Florida

Marco Island, FL · Cert 34143

FDIC

Q1 2001

$178.1MAssets
$134.0MLoans
$163.9MDeposits
$13.5MEquity
Deposit mix
88%Interest-bearing $144.8M12%Noninterest $19.1MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.86%, up 25 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 81.74% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

0.86%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.83%

Efficiency Ratio (YTD, annualized)

57.98%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.61%0.58%0.53%0.32%0.86%+25 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.83%n/an/a
Efficiency Ration/an/an/an/a57.98%n/an/a
Non-Interest Burdenn/an/an/an/a2.10%n/an/a
Growth
Asset Growth (YoY)43.52%49.60%51.69%44.04%47.63%+411 bps
Loan Growth (YoY)64.33%76.03%77.66%72.90%61.15%-319 bps
Deposit Growth (YoY)43.53%41.96%40.17%41.45%47.64%+412 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.01%n/an/a
Allowance / Loansn/an/an/an/a1.29%n/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/a11.53%n/an/a
Equity / Assetsn/an/an/an/a7.59%n/an/a
Liquidity & Funding
Loans / Deposits74.89%88.46%93.14%87.39%81.74%+685 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%1.20%+120 bps
CRE / Total Capitaln/an/an/an/an/an/an/a