PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens National Bank of Paris, The

Paris, IL · Cert 3721

FDIC

Q1 2012

$214.6MAssets
$102.8MLoans
$181.3MDeposits
$18.7MEquity
Loan mix
61%RE $48.5M36%C&I $28.4M3%Consumer $2.6MQ1 2011Q1 2012
Deposit mix
90%Interest-bearing $163.6M10%Noninterest $17.7MQ1 2011Q1 2012

NIM

4.23%Q1 ’103.48%Q1 ’113.32%Q1 ’12-13%+2%

Non-interest income vs. expense

2.66%Q1 ’102.71%Q1 ’112.32%Q1 ’12-14%-10%

Executive Summary

  • Earnings: ROA of 0.29%, up 14 bps year over year; NIM at 2.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 56.71% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

0.29%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.34%+5 bps YoY

Efficiency Ratio (YTD, annualized)

86.45%-971 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 Assets0.15%0.28%0.33%-1.56%0.29%+14 bps
Return on Equity1.52%2.74%3.28%-15.84%3.35%+183 bps
Net Interest Margin2.30%2.42%2.44%2.48%2.34%+5 bps
Efficiency Ratio96.17%92.47%89.06%139.34%86.45%-971 bps
Non-Interest Burden2.19%2.20%2.12%3.44%1.98%-21 bps
Growth
Asset Growth (YoY)-12.27%12.05%5.65%1.32%-0.63%+1,163 bps
Loan Growth (YoY)-23.60%-16.11%-12.35%-6.92%-9.15%+1,445 bps
Deposit Growth (YoY)-14.06%14.44%6.77%3.76%5.75%+1,980 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.00%-0.07%0.08%0.00%0 bps
Allowance / Loans3.15%3.22%3.39%6.06%6.49%+334 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 Capital15.58%16.00%16.60%14.31%14.96%-62 bps
Equity / Assets9.76%10.18%10.34%8.82%8.72%-105 bps
Liquidity & Funding
Loans / Deposits66.01%64.63%63.02%64.88%56.71%-930 bps
Liquid Assets / Assets3.81%2.12%3.94%0.56%3.45%-36 bps
CRE / Total Capitaln/an/an/an/an/an/an/a