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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 March 31, 2015
Federal Reserve System Identifier 2882983




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$176,491$175,238$163,883
Loans Receivable, Net136,113134,938124,280
Mortgage-Backed Securities2,7722,9023,532
Investments14,96312,42717,652
Deposits152,519152,617147,498
Borrowings6,8485,958750
Equity16,80416,34415,363
Net Interest Income1,3885,5155,527
Fee Income1131,125566
Overhead1,3055,0774,782
Net Operating Income3201,3371,957
Net Income3231,2721,865
Ratio Analysis Profitability%%%
Return on Assets *0.770.771.18
Operating Return on Assets *0.810.811.24
Return on Equity *7.967.9712.13
Net Interest Margin *3.513.573.66
Fee Income / Assets *0.660.680.36
Overhead / Assets *3.103.063.03
Efficiency Ratio77.8672.5970.28
Asset Quality%%%
Nonperforming Assets / Assets1.761.770.87
Nonperforming Assets / Equity & Loss Reserves16.9317.388.66
Loss Reserves / Nonperforming Loans58.2154.62101.76
1-4 Fam Mtg + MBS / Assets17.7617.2715.91
Commercial Real Estate Loans / Assets16.2116.1317.24
Construction Loans / Assets1.952.021.57
Commercial & Industrial Loans / Assets26.5427.4829.82
Consumer Loans / Assets2.872.902.53
Capitalization%%%
Equity / Assets9.529.339.37
Tangible Capital / Tangible Assets9.239.029.37
Risk-based Capital Ratio13.1411.0811.21
Liquidity%%%
Loans / Deposits89.2488.4284.26
Non-Interest Bearing Deposits / Deposits10.0812.3010.57
Purchased Liabilities9.189.274.70

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