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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 September 30, 2014
Federal Reserve System Identifier 2882983




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$165,442$163,883$160,920
Loans Receivable, Net131,306124,280112,549
Mortgage-Backed Securities3,0493,5323,788
Investments14,35517,65212,466
Deposits144,874147,498143,984
Borrowings4,4587501,000
Equity15,77715,36315,592
Net Interest Income4,1295,5275,664
Fee Income410566511
Overhead3,7304,7824,488
Net Operating Income6951,9572,514
Net Income6741,8652,416
Ratio Analysis Profitability%%%
Return on Assets *0.591.181.65
Operating Return on Assets *0.621.241.72
Return on Equity *6.0512.1315.99
Net Interest Margin *3.633.663.97
Fee Income / Assets *0.350.360.35
Overhead / Assets *3.153.033.06
Efficiency Ratio74.5770.2860.48
Asset Quality%%%
Nonperforming Assets / Assets0.730.870.68
Nonperforming Assets / Equity & Loss Reserves7.038.666.45
Loss Reserves / Nonperforming Loans260.73101.76130.06
1-4 Fam Mtg + MBS / Assets17.0615.9115.55
Commercial Real Estate Loans / Assets17.4617.2412.73
Construction Loans / Assets2.021.571.77
Commercial & Industrial Loans / Assets28.8529.8229.23
Consumer Loans / Assets2.752.532.86
Capitalization%%%
Equity / Assets9.549.379.69
Tangible Capital / Tangible Assets9.549.379.69
Risk-based Capital Ratio10.8411.2111.64
Liquidity%%%
Loans / Deposits90.6384.2678.17
Non-Interest Bearing Deposits / Deposits11.1610.5711.87
Purchased Liabilities9.014.706.06

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