PackageTrendsPeer
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Citizens National Bank of Southern Pennsylvania

Greencastle, PA · Cert 7796

FDIC

Q1 2005

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: Q1 2005, the quarter ended March 31, 2005, 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 National Bank of Southern Pennsylvania

Greencastle, PA · Cert 7796

FDIC

Q1 2005

$252.2MAssets
$150.5MLoans
$217.4MDeposits
$17.3MEquity
Loan mix
85%RE $84.7M14%C&I $13.9M1%Consumer $0.6MQ1 2004Q1 2005
Deposit mix
85%Interest-bearing $185.2M15%Noninterest $32.2MQ1 2004Q1 2005

NIM

5.43%Q1 ’034.83%Q1 ’044.93%Q1 ’05-8%+2%

Non-interest income vs. expense

2.74%Q1 ’032.58%Q1 ’042.46%Q1 ’05-3%-20%

Executive Summary

  • Earnings: ROA of 1.34%, up 36 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Funding: loans stand at 69.23% of deposits as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

1.34%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+8 bps YoY

Efficiency Ratio (YTD, annualized)

56.24%-798 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.98%1.12%1.20%1.20%1.34%+36 bps
Return on Equity13.64%16.02%16.89%16.83%18.94%+529 bps
Net Interest Margin3.42%3.33%3.44%3.53%3.50%+8 bps
Efficiency Ratio64.22%60.19%59.59%59.85%56.24%-798 bps
Non-Interest Burden1.98%1.68%1.73%1.78%1.59%-39 bps
Growth
Asset Growth (YoY)9.31%9.06%6.93%-0.54%-5.75%-1,506 bps
Loan Growth (YoY)8.57%7.92%1.11%-2.14%-13.85%-2,242 bps
Deposit Growth (YoY)11.98%9.90%14.14%10.17%10.60%-138 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.06%0.06%0.09%0.19%+10 bps
Allowance / Loans1.33%1.37%1.35%1.39%1.56%+23 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 Capital11.79%11.54%11.94%12.11%12.60%+81 bps
Equity / Assets6.93%6.70%7.31%7.32%6.84%-8 bps
Liquidity & Funding
Loans / Deposits88.87%91.33%86.26%81.74%69.23%-1,964 bps
Liquid Assets / Assets0.01%0.01%0.01%0.02%0.01%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a