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.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Marco Island, FL · Cert 34143

FDIC

Q1 2001

$178.1MAssets

$134.0MLoans

$163.9MDeposits

$13.5MEquity

Deposit mix

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.

Return on Assets (YTD, annualized)

0.86%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.83%

n/a

Efficiency Ratio (YTD, annualized)

57.98%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	0.11%	0.28%	0.34%	0.61%	0.58%	0.53%	0.32%	0.86%	+25 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	3.83%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	57.98%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.10%	n/a	n/a
Growth
Asset Growth (YoY)	44.51%	77.01%	57.82%	43.52%	49.60%	51.69%	44.04%	47.63%	+411 bps
Loan Growth (YoY)	77.09%	78.09%	73.11%	64.33%	76.03%	77.66%	72.90%	61.15%	-319 bps
Deposit Growth (YoY)	43.51%	80.06%	60.11%	43.53%	41.96%	40.17%	41.45%	47.64%	+412 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.01%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.29%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	11.53%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	7.59%	n/a	n/a
Liquidity & Funding
Loans / Deposits	71.33%	73.49%	71.50%	74.89%	88.46%	93.14%	87.39%	81.74%	+685 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.20%	+120 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a