SAFE & SOUND® STAR RATINGS

Financial statement

CITIZENS FIRST BANK
1442 LINCOLN WAY
CLINTON, Iowa 52732

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 2882983




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$161,992$163,883$160,920
Loans Receivable, Net126,624124,280112,549
Mortgage-Backed Securities3,2333,5323,788
Investments14,85317,65212,466
Deposits142,359147,498143,984
Borrowings3,6467501,000
Equity15,69915,36315,592
Net Interest Income2,7365,5275,664
Fee Income266566511
Overhead2,4474,7824,488
Net Operating Income6131,9572,514
Net Income6121,8652,416
Ratio Analysis Profitability%%%
Return on Assets *0.891.181.65
Operating Return on Assets *0.921.241.72
Return on Equity *9.2412.1315.99
Net Interest Margin *3.683.663.97
Fee Income / Assets *0.350.360.35
Overhead / Assets *3.053.033.06
Efficiency Ratio74.2270.2860.48
Asset Quality%%%
Nonperforming Assets / Assets0.930.870.68
Nonperforming Assets / Equity & Loss Reserves8.888.666.45
Loss Reserves / Nonperforming Loans251.48101.76130.06
1-4 Fam Mtg + MBS / Assets16.5215.9115.55
Commercial Real Estate Loans / Assets17.9117.2412.73
Construction Loans / Assets1.631.571.77
Commercial & Industrial Loans / Assets28.8129.8229.23
Consumer Loans / Assets2.542.532.86
Capitalization%%%
Equity / Assets9.699.379.69
Tangible Capital / Tangible Assets9.699.379.69
Risk-based Capital Ratio10.8411.2111.64
Liquidity%%%
Loans / Deposits88.9584.2678.17
Non-Interest Bearing Deposits / Deposits11.8310.5711.87
Purchased Liabilities6.784.706.06

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