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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 December 31, 2014
Federal Reserve System Identifier 2882983




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$175,238$163,883$160,920
Loans Receivable, Net134,938124,280112,549
Mortgage-Backed Securities2,9023,5323,788
Investments12,42717,65212,466
Deposits152,617147,498143,984
Borrowings5,9587501,000
Equity16,34415,36315,592
Net Interest Income5,5155,5275,664
Fee Income1,125566511
Overhead5,0774,7824,488
Net Operating Income1,3371,9572,514
Net Income1,2721,8652,416
Ratio Analysis Profitability%%%
Return on Assets *0.771.181.65
Operating Return on Assets *0.811.241.72
Return on Equity *7.9712.1315.99
Net Interest Margin *3.573.663.97
Fee Income / Assets *0.680.360.35
Overhead / Assets *3.063.033.06
Efficiency Ratio72.5970.2860.48
Asset Quality%%%
Nonperforming Assets / Assets1.770.870.68
Nonperforming Assets / Equity & Loss Reserves17.388.666.45
Loss Reserves / Nonperforming Loans54.62101.76130.06
1-4 Fam Mtg + MBS / Assets17.2715.9115.55
Commercial Real Estate Loans / Assets16.1317.2412.73
Construction Loans / Assets2.021.571.77
Commercial & Industrial Loans / Assets27.4829.8229.23
Consumer Loans / Assets2.902.532.86
Capitalization%%%
Equity / Assets9.339.379.69
Tangible Capital / Tangible Assets9.029.379.69
Risk-based Capital Ratio11.0811.2111.64
Liquidity%%%
Loans / Deposits88.4284.2678.17
Non-Interest Bearing Deposits / Deposits12.3010.5711.87
Purchased Liabilities9.274.706.06

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