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Letter portraitLegal landscapeQuarterYTD

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

4.46%Q3 ’114.16%Q3 ’123.56%Q3 ’13-3%-13%

Non-interest income vs. expense

3.28%Q3 ’115.05%Q3 ’123.74%Q3 ’13+36%-57%

Executive Summary

  • Earnings: ROA of 2.06%, up 102 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 63.23% of deposits as of Q3 2013.

Financial Results

Return on Assets (quarter, annualized)

2.06%+102 bps YoY

Net Interest Margin (quarter, annualized)

2.74%-42 bps YoY

Efficiency Ratio (quarter, annualized)

74.12%-2,910 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets1.05%11.21%0.80%-0.13%2.06%+102 bps
Return on Equity8.34%9.59%6.45%-1.14%19.28%+1,094 bps
Net Interest Margin3.16%2.55%2.91%2.81%2.74%-42 bps
Efficiency Ratio103.22%74.43%81.80%108.39%74.12%-2,910 bps
Non-Interest Burden3.32%1.29%2.07%3.11%1.43%-188 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 / Loans-0.35%0.77%0.00%0.16%0.01%+36 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