PackageTrendsPeer
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Citizens National Bank of Southwestern Ohio, The

Dayton, OH · Cert 35302

FDIC · 3 branches

Q4 2014

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: Q4 2014, the quarter ended December 31, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Citizens National Bank of Southwestern Ohio, The

Dayton, OH · Cert 35302

FDIC · 3 branches

Q4 2014

$102.6MAssets
$77.8MLoans
$90.7MDeposits
$11.6MEquity
Loan mix
72%RE $48.3M22%C&I $14.6M7%Consumer $4.6MQ4 2013Q4 2014
Deposit mix
80%Interest-bearing $72.3M20%Noninterest $18.5MQ4 2013Q4 2014

NIM

4.69%Q4 ’124.62%Q4 ’134.40%Q4 ’14+2%-4%

Non-interest income vs. expense

2.96%Q4 ’123.16%Q4 ’133.24%Q4 ’14+12%+3%

Market Position · Dayton, OH · 2014 SOD (annual) · 0.9% share · #13 of 26 inst. · $0.1B of $10.5B

Executive Summary

  • Earnings: ROA of 0.83%, down 15 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 85.78% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.83%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.08%-18 bps YoY

Efficiency Ratio (YTD, annualized)

73.87%+472 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.98%0.80%0.98%0.94%0.83%-15 bps
Return on Equity9.56%7.47%9.06%8.64%7.63%-193 bps
Net Interest Margin4.26%4.18%4.15%4.10%4.08%-18 bps
Efficiency Ratio69.15%72.06%71.52%71.13%73.87%+472 bps
Non-Interest Burden2.85%2.91%2.88%2.82%2.93%+9 bps
Growth
Asset Growth (YoY)-5.34%-1.85%-0.01%4.57%0.87%+621 bps
Loan Growth (YoY)7.07%5.30%5.62%3.51%1.54%-553 bps
Deposit Growth (YoY)-6.31%-2.62%-0.99%4.18%0.22%+653 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.12%0.06%0.05%0.03%-1 bps
Allowance / Loans1.68%1.70%1.71%1.66%1.67%-2 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 Capital15.25%15.61%15.82%15.69%15.79%+54 bps
Equity / Assets10.65%10.81%10.94%10.89%11.27%+62 bps
Liquidity & Funding
Loans / Deposits84.67%82.40%81.46%82.20%85.78%+111 bps
Liquid Assets / Assets10.66%13.70%14.87%15.04%10.36%-30 bps
CRE / Total Capitaln/an/an/an/an/an/an/a