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Citizens National Bank of Evans City, The

Evans City, PA · Cert 7879

FDIC · 16 branches

Q3 2014

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 2014, the quarter ended September 30, 2014, 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 Evans City, The

Evans City, PA · Cert 7879

FDIC · 16 branches

Q3 2014

$539.4MAssets
$326.3MLoans
$483.7MDeposits
$49.7MEquity
Loan mix
84%RE $192.2M14%C&I $32.3M1%Consumer $3.3MQ3 2013Q3 2014
Deposit mix
58%Interest-bearing $282.4M42%Noninterest $201.2MQ3 2013Q3 2014

NIM

3.24%Q3 ’122.90%Q3 ’132.93%Q3 ’14-9%+3%

Non-interest income vs. expense

3.55%Q3 ’123.25%Q3 ’133.30%Q3 ’14-11%+8%

Market Position · Pittsburgh, PA · 2014 SOD (annual) · 0.5% share · #18 of 57 inst. · $0.5B of $98.3B

10.8% Butler
0.1% Allegheny
1.2% Armstrong

Executive Summary

  • Earnings: ROA of 0.13%, down 25 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 67.46% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.13%-25 bps YoY

Net Interest Margin (YTD, annualized)

2.73%+8 bps YoY

Efficiency Ratio (YTD, annualized)

90.49%+149 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.37%0.37%0.51%0.51%0.13%-25 bps
Return on Equity4.19%4.11%5.27%5.29%1.32%-287 bps
Net Interest Margin2.65%2.66%2.86%2.81%2.73%+8 bps
Efficiency Ratio88.99%88.95%80.71%80.93%90.49%+149 bps
Non-Interest Burden2.25%2.28%2.16%2.15%2.44%+19 bps
Growth
Asset Growth (YoY)5.20%1.00%1.35%3.33%1.78%-342 bps
Loan Growth (YoY)3.54%8.64%12.58%9.44%9.37%+582 bps
Deposit Growth (YoY)6.56%1.61%2.05%3.57%3.72%-284 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.14%0.10%0.03%0.06%-8 bps
Allowance / Loans1.20%1.12%1.19%1.21%1.25%+4 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 Capital15.82%15.65%15.73%15.69%15.50%-32 bps
Equity / Assets8.70%9.47%9.70%9.60%9.21%+51 bps
Liquidity & Funding
Loans / Deposits63.98%68.00%69.11%69.86%67.46%+348 bps
Liquid Assets / Assets19.77%15.81%13.67%13.42%14.65%-512 bps
CRE / Total Capitaln/an/an/an/an/an/an/a