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Letter portraitLegal landscapeQuarterYTD

Citizens Community Bank

Pocatello, ID · Cert 34459

FDIC

Q1 2012

$367.3MAssets
$158.6MLoans
$236.4MDeposits
$39.4MEquity
Loan mix
78%RE $99.5M19%C&I $24.8M3%Consumer $4.0MQ1 2011Q1 2012
Deposit mix
83%Interest-bearing $196.0M17%Noninterest $40.4MQ1 2011Q1 2012

NIM

5.39%Q1 ’104.39%Q1 ’113.95%Q1 ’12-17%-9%

Non-interest income vs. expense

3.13%Q1 ’102.72%Q1 ’112.38%Q1 ’12-13%-21%

Executive Summary

  • Earnings: ROA of 1.08%, up 30 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 67.08% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

1.08%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.37%-34 bps YoY

Efficiency Ratio (YTD, annualized)

52.28%-296 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets0.78%0.86%1.06%1.15%1.08%+30 bps
Return on Equity6.88%7.59%9.48%10.37%10.14%+326 bps
Net Interest Margin3.70%3.62%3.49%3.30%3.37%-34 bps
Efficiency Ratio55.24%52.80%51.79%51.54%52.28%-296 bps
Non-Interest Burden1.56%1.41%1.31%1.21%1.23%-33 bps
Growth
Asset Growth (YoY)23.60%16.54%26.84%24.72%15.82%-779 bps
Loan Growth (YoY)-6.73%-4.58%-5.29%-1.30%0.40%+712 bps
Deposit Growth (YoY)29.38%11.64%10.32%14.87%3.74%-2,564 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.77%1.32%1.07%0.89%0.17%-160 bps
Allowance / Loans3.48%3.33%3.20%3.19%3.60%+12 bps
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 Capital12.99%13.49%13.76%13.85%14.13%+114 bps
Equity / Assets10.89%11.42%10.89%10.54%10.73%-16 bps
Liquidity & Funding
Loans / Deposits69.32%67.62%72.57%69.98%67.08%-224 bps
Liquid Assets / Assets0.22%1.26%0.01%0.00%0.01%-21 bps
CRE / Total Capitaln/an/an/an/an/an/an/a