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

Deposit mix

NIM

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

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.

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.

Metric	Q3 2013	Q4 2013	Q1 2014	Q2 2014	Q3 2014	YoY Δ	Trend
Earnings
Return on Assets	0.37%	0.37%	0.51%	0.51%	0.13%	-25 bps
Return on Equity	4.19%	4.11%	5.27%	5.29%	1.32%	-287 bps
Net Interest Margin	2.65%	2.66%	2.86%	2.81%	2.73%	+8 bps
Efficiency Ratio	88.99%	88.95%	80.71%	80.93%	90.49%	+149 bps
Non-Interest Burden	2.25%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.14%	0.14%	0.10%	0.03%	0.06%	-8 bps
Allowance / Loans	1.20%	1.12%	1.19%	1.21%	1.25%	+4 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	15.82%	15.65%	15.73%	15.69%	15.50%	-32 bps
Equity / Assets	8.70%	9.47%	9.70%	9.60%	9.21%	+51 bps
Liquidity & Funding
Loans / Deposits	63.98%	68.00%	69.11%	69.86%	67.46%	+348 bps
Liquid Assets / Assets	19.77%	15.81%	13.67%	13.42%	14.65%	-512 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a