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SAFE & SOUND® STAR RATINGS

CITIZENS FIRST BANK

1442 LINCOLN WAY
CLINTON, Iowa 52732

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 2882983




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$187,039$175,238$163,883
Loans Receivable, Net143,458134,938124,280
Mortgage-Backed Securities2,3072,9023,532
Investments12,10712,42717,652
Deposits160,894152,617147,498
Borrowings8,5875,958750
Equity17,22416,34415,363
Net Interest Income5,7895,5155,527
Fee Income5021,125566
Overhead5,3875,0774,782
Net Operating Income1,1331,3371,957
Net Income1,0851,2721,865
Ratio Analysis Profitability%%%
Return on Assets *0.610.771.18
Operating Return on Assets *0.630.811.24
Return on Equity *6.397.9712.13
Net Interest Margin *3.453.573.66
Fee Income / Assets *0.280.680.36
Overhead / Assets *3.013.063.03
Efficiency Ratio76.2872.5970.28
Asset Quality%%%
Nonperforming Assets / Assets0.521.770.87
Nonperforming Assets / Equity & Loss Reserves5.2717.388.66
Loss Reserves / Nonperforming Loans285.9654.62101.76
1-4 Fam Mtg + MBS / Assets19.3317.2715.91
Commercial Real Estate Loans / Assets14.9516.1317.24
Construction Loans / Assets2.302.021.57
Commercial & Industrial Loans / Assets24.1527.4829.82
Consumer Loans / Assets2.722.902.53
Capitalization%%%
Equity / Assets9.219.339.37
Tangible Capital / Tangible Assets8.959.029.37
Risk-based Capital Ratio12.5911.0811.21
Liquidity%%%
Loans / Deposits89.1688.4284.26
Non-Interest Bearing Deposits / Deposits12.2812.3010.57
Purchased Liabilities10.799.274.70

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