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Citizens Bank and Trust Company

Chillicothe, MO · Cert 4533

FDIC · 15 branches

Q4 2022

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 2022, the quarter ended December 31, 2022, 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 2026-10-11

Citizens Bank and Trust Company

Chillicothe, MO · Cert 4533

FDIC · 15 branches

Q4 2022

$968.8MAssets
$468.6MLoans
$838.7MDeposits
$91.4MEquity
Loan mix
76%RE $244.0M23%C&I $72.6M1%Consumer $3.6MQ4 2021Q4 2022
Deposit mix
72%Interest-bearing $606.0M28%Noninterest $232.7MQ4 2021Q4 2022

NIM

3.16%Q4 ’202.54%Q4 ’213.22%Q4 ’22-10%+23%

Non-interest income vs. expense

2.86%Q4 ’202.80%Q4 ’213.12%Q4 ’22-5%+7%

Market Position · Kansas City, MO-KS · 2022 SOD (annual) · 0.3% share · #37 of 120 inst. · $0.3B of $85.8B

27.3% Livingston
18.1% Nodaway
5.2% Buchanan
2.1% Clay

Executive Summary

  • Earnings: ROA of 0.71%, down 2 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.17% of loans (-129 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.95%, up 49 bps from a year ago.
  • Funding: loans stand at 55.88% of deposits as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

0.71%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.92%+54 bps YoY

Efficiency Ratio (YTD, annualized)

77.73%-743 bps YoY

Tier 1 Leverage Ratio

9.95%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.73%0.45%0.53%0.81%0.71%-2 bps
Return on Equity7.18%4.75%5.64%8.74%7.57%+39 bps
Net Interest Margin2.38%2.13%2.41%2.70%2.92%+54 bps
Efficiency Ratio85.16%81.74%79.68%71.49%77.73%-743 bps
Non-Interest Burden1.89%1.56%1.71%1.65%2.03%+14 bps
Growth
Asset Growth (YoY)-0.76%-0.97%-0.08%-1.48%-0.79%-3 bps
Loan Growth (YoY)-13.54%-14.79%-12.18%-10.51%-0.64%+1,290 bps
Deposit Growth (YoY)-0.33%0.39%1.58%-1.01%-0.62%-28 bps
Asset Quality
Nonperforming Loans / Loans1.47%1.48%1.43%0.20%0.17%-129 bps
Net Charge-Offs / Loans0.06%0.00%-0.03%-0.02%-0.02%-7 bps
Allowance / Loans1.33%1.35%1.36%1.40%1.29%-4 bps
Allowance Coverage of NPLs0.9x0.9x1.0x7.0x7.4x+6.5x
Capital
Tier 1 Leverage Ratio9.46%9.19%9.73%9.79%9.95%+49 bps
Total Risk-Based Capital17.39%17.26%17.27%18.24%17.87%+49 bps
Equity / Assets10.13%9.00%8.95%9.08%9.44%-69 bps
Liquidity & Funding
Loans / Deposits55.89%51.88%53.58%52.88%55.88%-1 bps
Liquid Assets / Assets22.82%22.67%21.24%23.13%19.37%-345 bps
CRE / Total Capitaln/an/an/an/an/an/an/a