PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Citizens Trust Company, NA

Mason City, IA · Cert 34212

FDIC

Q4 2012

$7.0MAssets
n/aLoans
n/aDeposits
$6.9MEquity

Executive Summary

  • Earnings: ROA of 19.29%, up 432 bps year over year; NIM at 1.57%.

Return on Assets (YTD, annualized)

19.29%+432 bps YoY

Net Interest Margin (YTD, annualized)

1.57%-42 bps YoY

Efficiency Ratio (YTD, annualized)

60.15%-658 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.91%Q4 ’101.99%Q4 ’111.57%Q4 ’12+4%-21%

Non-interest income vs. expense

33.82%Q4 ’1029.57%Q4 ’1126.32%Q4 ’12-10%-24%

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets13.14%13.47%14.68%14.96%16.49%16.66%18.07%19.29%+432 bps
Return on Equity13.61%13.94%15.19%15.46%16.97%17.16%18.60%19.84%+438 bps
Net Interest Margin2.21%2.19%2.08%1.99%1.88%1.78%1.71%1.57%-42 bps
Efficiency Ratio70.15%69.96%67.45%66.73%63.08%62.47%59.71%60.15%-658 bps
Non-Interest Burden-11.54%-11.60%-12.74%-12.75%-15.65%-15.12%-16.61%-15.86%-311 bps
Growth
Asset Growth (YoY)14.66%14.29%14.89%19.60%19.55%19.72%19.07%19.25%-35 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/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 Capital234%255%256%267%250%249%251%101.70%-16,500 bps
Equity / Assets96.30%96.69%96.57%97.29%96.95%97.06%97.27%97.48%+18 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets11.60%15.13%18.58%21.18%24.62%27.75%30.19%91.39%+7,021 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a