PackageTrendsPeer
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Citizens Bank & Trust Company

Okmulgee, OK · Cert 4171

FDIC

Q4 2004

$154.3MAssets
$113.4MLoans
$135.8MDeposits
$10.3MEquity
Loan mix
73%RE $41.7M25%C&I $14.4M2%Consumer $1.1MQ1 2003Q4 2004
Deposit mix
85%Interest-bearing $115.4M15%Noninterest $20.4MQ1 2003Q4 2004

Executive Summary

  • Earnings: ROA of 0.80%, down 17 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 83.51% of deposits as of Q4 2004.

Return on Assets (quarter, annualized)

0.80%-17 bps YoY

Net Interest Margin (quarter, annualized)

4.22%-2 bps YoY

Efficiency Ratio (quarter, annualized)

73.70%+353 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.50%Q4 ’025.51%Q4 ’035.44%Q4 ’04-11%0%

Non-interest income vs. expense

4.42%Q4 ’023.96%Q4 ’034.24%Q4 ’04-17%+6%

Discrete quarter, annualized.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets0.54%-0.04%1.02%0.98%0.80%0.79%0.61%0.80%-17 bps
Return on Equity8.10%-0.66%14.95%14.19%11.79%11.78%9.15%12.00%-219 bps
Net Interest Margin4.23%4.02%3.96%4.24%4.11%4.10%4.31%4.22%-2 bps
Efficiency Ratio75.15%78.41%74.64%70.17%73.36%72.57%77.38%73.70%+353 bps
Non-Interest Burden2.92%2.93%2.65%2.63%2.75%2.66%3.14%2.78%+16 bps
Growth
Asset Growth (YoY)11.31%9.76%9.27%2.09%4.17%9.26%10.22%11.32%+924 bps
Loan Growth (YoY)0.20%-4.20%-3.70%-0.25%0.33%6.14%10.71%18.74%+1,899 bps
Deposit Growth (YoY)14.88%13.63%13.69%3.02%1.38%9.30%4.45%9.65%+663 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.37%0.72%0.13%0.26%0.16%0.20%0.36%0.06%-20 bps
Allowance / Loans0.52%0.76%0.75%0.73%0.74%0.74%0.68%0.67%-7 bps
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 Capital10.55%11.03%11.31%11.24%11.20%11.02%10.80%10.33%-91 bps
Equity / Assets6.65%6.72%6.89%6.85%6.80%6.54%6.75%6.65%-21 bps
Liquidity & Funding
Loans / Deposits78.27%77.58%78.44%77.12%77.46%75.34%83.13%83.51%+639 bps
Liquid Assets / Assets0.06%0.07%1.54%1.48%1.45%1.40%1.42%1.32%-16 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a