PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens National Bank of Childress

Childress, TX · Cert 34633

FDIC

Q1 2001

$21.2MAssets
$15.7MLoans
$18.5MDeposits
$2.7MEquity
Deposit mix
82%Interest-bearing $15.1M18%Noninterest $3.4MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 3.14%, up 40 bps year over year; NIM at 5.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 84.94% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

3.14%+40 bps YoY

Net Interest Margin (YTD, annualized)

5.52%

Efficiency Ratio (YTD, annualized)

52.88%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets2.73%2.81%2.87%2.86%3.14%+40 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.52%n/an/a
Efficiency Ration/an/an/an/a52.88%n/an/a
Non-Interest Burdenn/an/an/an/a2.08%n/an/a
Growth
Asset Growth (YoY)-5.68%-9.66%-7.69%-4.53%-2.48%+320 bps
Loan Growth (YoY)5.49%21.24%14.41%8.46%-7.37%-1,286 bps
Deposit Growth (YoY)-4.82%-8.21%-5.26%-4.07%-2.29%+253 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.00%n/an/a
Allowance / Loansn/an/an/an/a1.77%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/a14.89%n/an/a
Equity / Assetsn/an/an/an/a12.52%n/an/a
Liquidity & Funding
Loans / Deposits89.60%94.81%94.32%92.96%84.94%-466 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a