SAFE & SOUND® STAR RATINGS

Financial statement

CITIZENS FIRST BANK
1442 LINCOLN WAY
CLINTON, Iowa 52732

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 2882983




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$163,139$163,883$160,920
Loans Receivable, Net126,584124,280112,549
Mortgage-Backed Securities3,3883,5323,788
Investments17,88617,65212,466
Deposits145,034147,498143,984
Borrowings1,8407501,000
Equity15,99715,36315,592
Net Interest Income1,3695,5275,664
Fee Income132566511
Overhead1,1814,7824,488
Net Operating Income2911,9572,514
Net Income3091,8652,416
Ratio Analysis Profitability%%%
Return on Assets *1.041.181.65
Operating Return on Assets *1.071.241.72
Return on Equity *10.8012.1315.99
Net Interest Margin *3.723.663.97
Fee Income / Assets *0.360.360.35
Overhead / Assets *3.053.033.06
Efficiency Ratio72.8170.2860.48
Asset Quality%%%
Nonperforming Assets / Assets1.790.870.68
Nonperforming Assets / Equity & Loss Reserves16.948.666.45
Loss Reserves / Nonperforming Loans51.68101.76130.06
1-4 Fam Mtg + MBS / Assets15.8615.9115.55
Commercial Real Estate Loans / Assets17.1717.2412.73
Construction Loans / Assets1.601.571.77
Commercial & Industrial Loans / Assets29.8629.8229.23
Consumer Loans / Assets2.432.532.86
Capitalization%%%
Equity / Assets9.819.379.69
Tangible Capital / Tangible Assets9.819.379.69
Risk-based Capital Ratio11.2311.2111.64
Liquidity%%%
Loans / Deposits87.2884.2678.17
Non-Interest Bearing Deposits / Deposits10.0710.5711.87
Purchased Liabilities5.504.706.06

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