Safe & Sound » Bank Ratings » CITIZENS FIRST BANK


SAFE & SOUND® STAR RATINGS

CITIZENS FIRST BANK

1442 LINCOLN WAY
CLINTON, Iowa 52732

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 2882983




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$183,318$187,039$175,238
Loans Receivable, Net150,108143,458134,938
Mortgage-Backed Securities2,2172,3072,902
Investments11,51912,10712,427
Deposits157,975160,894152,617
Borrowings7,4598,5875,958
Equity17,58517,22416,344
Net Interest Income1,4955,7895,515
Fee Income1125021,125
Overhead1,3945,3875,077
Net Operating Income1931,1331,337
Net Income2021,0851,272
Ratio Analysis Profitability%%%
Return on Assets *0.530.610.77
Operating Return on Assets *0.560.630.81
Return on Equity *5.616.397.97
Net Interest Margin *3.483.453.57
Fee Income / Assets *0.280.280.68
Overhead / Assets *3.023.013.06
Efficiency Ratio76.0976.2872.59
Asset Quality%%%
Nonperforming Assets / Assets0.630.521.77
Nonperforming Assets / Equity & Loss Reserves5.985.2717.38
Loss Reserves / Nonperforming Loans234.33285.9654.62
1-4 Fam Mtg + MBS / Assets19.8119.3317.27
Commercial Real Estate Loans / Assets14.9714.9516.13
Construction Loans / Assets2.432.302.02
Commercial & Industrial Loans / Assets27.9824.1527.48
Consumer Loans / Assets2.942.722.90
Capitalization%%%
Equity / Assets9.599.219.33
Tangible Capital / Tangible Assets9.338.959.02
Risk-based Capital Ratio12.5112.5911.08
Liquidity%%%
Loans / Deposits95.0289.1688.42
Non-Interest Bearing Deposits / Deposits11.1412.2812.30
Purchased Liabilities10.2210.799.27

* Calculations are based on the latest four quarters of income and expense.
Modify Search

Connect with us