PackageTrendsPeer
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Citizens Bank, The

Geneva, AL · Cert 59

FDIC

Q4 2012

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 2012, the quarter ended December 31, 2012, 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, The

Geneva, AL · Cert 59

FDIC

Q4 2012

$172.4MAssets
$43.4MLoans
$143.1MDeposits
$28.9MEquity
Loan mix
75%RE $31.2M10%C&I $4.3M15%Consumer $6.1MQ4 2011Q4 2012
Deposit mix
92%Interest-bearing $132.0M8%Noninterest $11.1MQ4 2011Q4 2012

NIM

4.95%Q4 ’104.52%Q4 ’113.86%Q4 ’12+6%-7%

Non-interest income vs. expense

1.39%Q4 ’101.62%Q4 ’111.50%Q4 ’12+20%-16%

Executive Summary

  • Earnings: ROA of 1.14%, up 26 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.84%.
  • Funding: loans stand at 30.33% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

1.14%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.00%-23 bps YoY

Efficiency Ratio (YTD, annualized)

43.41%-153 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.88%1.39%1.38%1.39%1.14%+26 bps
Return on Equity5.51%8.55%8.43%8.36%6.84%+133 bps
Net Interest Margin3.23%3.05%3.06%3.03%3.00%-23 bps
Efficiency Ratio44.94%37.43%35.55%36.60%43.41%-153 bps
Non-Interest Burden1.25%0.95%0.88%0.89%1.05%-20 bps
Growth
Asset Growth (YoY)-0.55%-0.43%0.63%-1.89%2.25%+280 bps
Loan Growth (YoY)-11.85%-12.41%-8.68%-6.62%-5.15%+670 bps
Deposit Growth (YoY)-1.32%-1.17%0.05%-3.27%1.71%+303 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.71%0.91%0.80%0.78%0.84%-287 bps
Allowance / Loans2.59%2.67%2.68%2.71%2.87%+29 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 Capital43.27%45.40%45.22%47.40%52.27%+900 bps
Equity / Assets16.19%16.39%16.53%17.25%16.79%+60 bps
Liquidity & Funding
Loans / Deposits32.52%31.47%32.27%32.84%30.33%-219 bps
Liquid Assets / Assets45.67%46.92%49.04%47.67%57.35%+1,167 bps
CRE / Total Capitaln/an/an/an/an/an/an/a