SAFE & SOUND® STAR RATINGS

Financial statement

CITIZENS FIRST BANK
1442 LINCOLN WAY
CLINTON, Iowa 52732

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 2882983




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$163,883$160,920$143,619
Loans Receivable, Net124,280112,549112,602
Mortgage-Backed Securities3,5323,7881,360
Investments17,65212,46611,390
Deposits147,498143,984128,013
Borrowings7501,0001,000
Equity15,36315,59214,295
Net Interest Income5,5275,6645,366
Fee Income566511510
Overhead4,7824,4884,196
Net Operating Income1,9572,5141,778
Net Income1,8652,4161,701
Ratio Analysis Profitability%%%
Return on Assets *1.181.651.22
Operating Return on Assets *1.241.721.27
Return on Equity *12.1315.9912.48
Net Interest Margin *3.663.974.08
Fee Income / Assets *0.360.350.37
Overhead / Assets *3.033.063.02
Efficiency Ratio70.2860.4864.19
Asset Quality%%%
Nonperforming Assets / Assets0.870.680.72
Nonperforming Assets / Equity & Loss Reserves8.666.456.74
Loss Reserves / Nonperforming Loans101.76130.061.02
1-4 Fam Mtg + MBS / Assets15.9115.5517.89
Commercial Real Estate Loans / Assets17.2412.7312.94
Construction Loans / Assets1.571.772.33
Commercial & Industrial Loans / Assets29.8229.2331.57
Consumer Loans / Assets2.532.863.22
Capitalization%%%
Equity / Assets9.379.699.95
Tangible Capital / Tangible Assets9.379.699.95
Risk-based Capital Ratio11.2111.6410.64
Liquidity%%%
Loans / Deposits84.2678.1787.96
Non-Interest Bearing Deposits / Deposits10.5711.8710.42
Purchased Liabilities4.706.0613.61

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

Connect with us