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SAFE & SOUND® STAR RATINGS

CITIZENS FIRST BANK

1442 LINCOLN WAY
CLINTON, Iowa 52732

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 2882983




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$179,186$175,238$163,883
Loans Receivable, Net144,791134,938124,280
Mortgage-Backed Securities2,4632,9023,532
Investments12,67212,42717,652
Deposits151,849152,617147,498
Borrowings9,7145,958750
Equity17,20716,34415,363
Net Interest Income4,3025,5155,527
Fee Income3601,125566
Overhead3,9905,0774,782
Net Operating Income1,0201,3371,957
Net Income9911,2721,865
Ratio Analysis Profitability%%%
Return on Assets *0.910.771.18
Operating Return on Assets *0.950.811.24
Return on Equity *9.477.9712.13
Net Interest Margin *3.453.573.66
Fee Income / Assets *0.610.680.36
Overhead / Assets *3.053.063.03
Efficiency Ratio76.5572.5970.28
Asset Quality%%%
Nonperforming Assets / Assets0.931.770.87
Nonperforming Assets / Equity & Loss Reserves9.1817.388.66
Loss Reserves / Nonperforming Loans85.5254.62101.76
1-4 Fam Mtg + MBS / Assets20.0017.2715.91
Commercial Real Estate Loans / Assets15.5716.1317.24
Construction Loans / Assets3.402.021.57
Commercial & Industrial Loans / Assets24.3127.4829.82
Consumer Loans / Assets2.882.902.53
Capitalization%%%
Equity / Assets9.609.339.37
Tangible Capital / Tangible Assets9.339.029.37
Risk-based Capital Ratio12.2911.0811.21
Liquidity%%%
Loans / Deposits95.3588.4284.26
Non-Interest Bearing Deposits / Deposits11.5812.3010.57
Purchased Liabilities9.259.274.70

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