PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $19.1MQ2 1999Q1 2001

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.

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
n/a

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.11%0.28%0.34%0.61%0.58%0.53%0.32%0.86%+25 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.83%n/an/a
Efficiency Ration/an/an/an/an/an/an/a57.98%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a2.10%n/an/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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a0.01%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a1.29%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/a11.53%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a7.59%n/an/a
Liquidity & Funding
Loans / Deposits71.33%73.49%71.50%74.89%88.46%93.14%87.39%81.74%+685 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%1.20%+120 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a