PackageTrendsPeer
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Citizens Bank of Albany

Albany, KY · Cert 8796

FDIC

Q4 2007

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 2007, the quarter ended December 31, 2007, 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 of Albany

Albany, KY · Cert 8796

FDIC

Q4 2007

$255.5MAssets
$169.2MLoans
$218.1MDeposits
$32.0MEquity
Loan mix
80%RE $57.0M20%C&I $14.1M0%Consumer $0.1MQ4 2006Q4 2007
Deposit mix
83%Interest-bearing $180.2M17%Noninterest $37.9MQ4 2006Q4 2007

NIM

5.12%Q4 ’055.75%Q4 ’065.93%Q4 ’07-1%-8%

Non-interest income vs. expense

2.99%Q4 ’053.01%Q4 ’062.97%Q4 ’07-2%-4%

Executive Summary

  • Earnings: ROA of 0.70%, down 9 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 77.60% of deposits as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

0.70%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.45%-31 bps YoY

Efficiency Ratio (YTD, annualized)

71.10%+348 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.79%0.67%0.69%0.68%0.70%-9 bps
Return on Equity6.20%5.33%5.47%5.43%5.60%-60 bps
Net Interest Margin3.76%3.44%3.41%3.43%3.45%-31 bps
Efficiency Ratio67.62%72.00%71.47%71.55%71.10%+348 bps
Non-Interest Burden2.47%2.41%2.37%2.38%2.36%-11 bps
Growth
Asset Growth (YoY)2.62%2.36%3.24%5.42%3.22%+60 bps
Loan Growth (YoY)5.20%8.08%6.01%7.79%3.80%-140 bps
Deposit Growth (YoY)0.31%-1.87%2.63%4.13%4.00%+369 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.17%0.23%0.15%0.12%0.13%-4 bps
Allowance / Loans1.36%1.34%1.38%1.39%1.42%+7 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 Capital11.80%11.78%11.94%11.82%12.04%+23 bps
Equity / Assets12.57%12.62%12.51%12.56%12.52%-5 bps
Liquidity & Funding
Loans / Deposits77.76%80.25%77.96%79.77%77.60%-15 bps
Liquid Assets / Assets6.97%6.53%6.40%5.90%5.59%-138 bps
CRE / Total Capitaln/an/an/an/an/an/an/a