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Citizens Bank, N.A.

Fort Scott, KS · Cert 4667

FDIC

Q3 2013

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: Q3 2013, the quarter ended September 30, 2013, 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, N.A.

Fort Scott, KS · Cert 4667

FDIC

Q3 2013

$261.0MAssets
$113.4MLoans
$179.4MDeposits
$28.1MEquity
Loan mix
89%RE $86.4M8%C&I $7.9M3%Consumer $3.2MQ3 2012Q3 2013
Deposit mix
73%Interest-bearing $130.9M27%Noninterest $48.4MQ3 2012Q3 2013

NIM

4.45%Q3 ’114.25%Q3 ’123.70%Q3 ’13-1%-10%

Non-interest income vs. expense

3.10%Q3 ’113.92%Q3 ’123.85%Q3 ’13-1%+1%

Executive Summary

  • Earnings: ROA of 0.91%, down 19 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 63.23% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.91%-19 bps YoY

Net Interest Margin (YTD, annualized)

2.86%-33 bps YoY

Efficiency Ratio (YTD, annualized)

86.16%+586 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets1.10%1.12%0.80%0.33%0.91%-19 bps
Return on Equity9.04%9.19%6.45%2.82%7.87%-116 bps
Net Interest Margin3.19%3.11%2.91%2.86%2.86%-33 bps
Efficiency Ratio80.30%78.87%81.80%93.43%86.16%+586 bps
Non-Interest Burden2.22%2.05%2.07%2.59%2.24%+1 bps
Growth
Asset Growth (YoY)-9.30%-1.19%-4.61%-1.73%-2.38%+692 bps
Loan Growth (YoY)-7.70%-6.27%-3.81%-4.37%-9.29%-159 bps
Deposit Growth (YoY)-4.88%-3.04%-3.18%2.58%0.01%+489 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.56%0.62%0.00%0.08%0.06%-50 bps
Allowance / Loans2.43%2.30%2.34%2.33%2.43%0 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 Capital17.98%18.48%18.99%18.87%19.74%+176 bps
Equity / Assets12.75%12.52%12.26%10.63%10.77%-198 bps
Liquidity & Funding
Loans / Deposits69.71%69.17%67.13%63.26%63.23%-648 bps
Liquid Assets / Assets0.16%0.02%0.01%1.89%6.01%+585 bps
CRE / Total Capitaln/an/an/an/an/an/an/a