Vitals
  • Total Assets
    38.2M -9.4 %
  • Total Deposits
    31.8M -12.1 %
  • Total Net Loans
    28.9M -15.9 %
  • Net Income
  • Book Value
    4.0M 0.0 %
  • Book Value x2
    8.0M 0.0 %
  • Book Value x3
    12.1M 0.0 %
ROAA

ROAE

Efficiency Ratio

94.258

Net Interest Margin

2.775

Balance Sheet Highlights
Financial Highlights Citizens Financial Bank, Inc. All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 38,152 140,946
Total Net Loans 28,930 94,434
Total Deposits 31,829 113,636
Total Equity 4,023 14,393
Profitability
Net Income — 2,695
Return on Average Assets — 1.246
Return on Average Equity — 12.298
Net Interest Margin 2.775 4.13
Efficiency Ratio 94.258 63.911
Noninterest Income/Revenue 8.574 13.117
Balance Sheet Ratios
Loan-to-Deposit 90.892 80.428
Securities/Assets .151 .375
Total Equity/Total Assets .105 .102
Tangible Equity/Tangible Assets .105 .045
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 3,662 13,733
Tier 2 Capital 357 1,105
Total Capital 4,019 14,838
Total Risk Weighted Assets 28,336 94,559
Leverage Ratio 9.47 10.056
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 12.92 15.804
Total Capital Ratio 14.18 16.972

Timeline for Citizens Financial Bank, Inc.

Pbi Bank

Citizens Financial Bank, Inc. was acquired by Pbi Bank 19 years

View Profile Feb 15 2005

Porter Bancorp, Inc.

Porter Bancorp, Inc. became a new parent organization for Citizens Financial Bank, Inc..

View Profile Jan 28 2005

Citizens Financial Bank, Inc.

Citizens Financial Bank, Inc. was established 22 years ago and is currently headquartered in Glasgow, KY.

Jul 17 2001

1St Independence Financial Group, Inc.

1St Independence Financial Group, Inc. became a new parent organization for Citizens Financial Bank, Inc..

View Profile Jul 17 2001
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Pbi Bank Buyer 914,605 Pooling of Interests Discontinued 2/15/2005
Relationships Role Relationship Start Relationship End
Porter Bancorp, Inc. Parent 1/28/2005 2/14/2005
1St Independence Financial Group, Inc. Parent 7/17/2001 1/27/2005
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