PackageTrendsPeer
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 ’016.19%Q3 ’013.36%Q3 ’02-27%-52%

Non-interest income vs. expense

2.79%Q1 ’012.66%Q3 ’012.87%Q3 ’02-4%+7%

Executive Summary

  • Earnings: ROA of -1.02%, down 200 bps year over year; NIM at 1.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.45%.
  • Funding: loans stand at 37.66% of deposits as of Q3 2002.

Financial Results

Return on Assets (quarter, annualized)

-1.02%-200 bps YoY

Net Interest Margin (quarter, annualized)

1.63%-174 bps YoY

Efficiency Ratio (quarter, annualized)

141.67%+7,003 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.97%-1.16%0.70%-1.06%-1.02%-200 bps
Return on Equity5.23%-6.25%3.77%-6.71%-7.65%-1,288 bps
Net Interest Margin3.37%3.03%2.82%-1.47%1.63%-174 bps
Efficiency Ratio71.64%117.59%77.90%118.37%141.67%+7,003 bps
Non-Interest Burden2.31%3.65%2.12%-0.48%2.47%+16 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 / Loans-0.22%0.27%0.00%0.03%1.45%+167 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