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Letter portraitLegal landscapeQuarterYTD

Citizens National Bank and Trust Company, The

Anthony, KS · Cert 4615

FDIC

Q3 2002

$35.0MAssets
$11.3MLoans
$30.0MDeposits
$4.7MEquity
Deposit mix
85%Interest-bearing $25.5M15%Noninterest $4.6MQ3 2001Q3 2002

NIM

7.51%Q1 ’016.76%Q3 ’012.08%Q3 ’02-15%-75%

Non-interest income vs. expense

2.79%Q1 ’012.60%Q3 ’011.61%Q3 ’02-7%-39%

Executive Summary

  • Earnings: ROA of -0.46%, down 206 bps year over year; NIM at 0.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.49%.
  • Funding: loans stand at 37.66% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

-0.46%-206 bps YoY

Net Interest Margin (YTD, annualized)

0.98%-294 bps YoY

Efficiency Ratio (YTD, annualized)

131.19%+7,050 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets1.60%0.91%0.70%-0.18%-0.46%-206 bps
Return on Equityn/an/a3.77%-1.09%-2.91%n/a
Net Interest Margin3.91%3.70%2.82%0.65%0.98%-294 bps
Efficiency Ratio60.69%72.93%77.90%118.37%131.19%+7,050 bps
Non-Interest Burden2.23%2.59%2.12%0.80%1.36%-87 bps
Growth
Asset Growth (YoY)-2.05%-1.70%-2.52%0.82%-3.66%-161 bps
Loan Growth (YoY)-10.49%-5.35%-11.17%-32.05%-30.36%-1,987 bps
Deposit Growth (YoY)-3.14%-3.41%-2.49%7.76%2.48%+563 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.17%0.00%0.02%0.49%+35 bps
Allowance / Loans1.65%1.45%1.60%2.26%2.07%+42 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 Capital34.15%32.37%33.62%20.20%18.10%-1,605 bps
Equity / Assets18.45%18.81%18.37%13.42%13.31%-514 bps
Liquidity & Funding
Loans / Deposits55.42%62.69%57.48%37.80%37.66%-1,776 bps
Liquid Assets / Assets8.62%8.94%8.93%3.91%0.39%-823 bps
CRE / Total Capitaln/an/an/an/an/an/an/a