Vitals
  • Total Assets
    66.0M 11.7 %
  • Total Deposits
    53.8M 2.0 %
  • Total Net Loans
    45.5M -2.7 %
  • Net Income
    355000.0000 -5.1 %
  • Book Value
    11.7M 97.1 %
  • Book Value x2
    23.4M 97.1 %
  • Book Value x3
    35.1M 97.1 %
ROAA

1.311

ROAE

9.508

Efficiency Ratio

58.071

Net Interest Margin

4.804

Balance Sheet Highlights
Financial Highlights Citizens First Bank, Inc. All Insured Commercial Banks in West Virginia
Balance Sheet $(000)
Total Assets 65,969 213,509
Total Net Loans 45,456 147,901
Total Deposits 53,842 172,328
Total Equity 11,713 20,768
Profitability
Net Income 355 2,989
Return on Average Assets 1.311 1.016
Return on Average Equity 9.508 9.731
Net Interest Margin 4.804 4.171
Efficiency Ratio 58.071 63.713
Noninterest Income/Revenue 9.686 10.017
Balance Sheet Ratios
Loan-to-Deposit 84.425 80.271
Securities/Assets .056 .28
Total Equity/Total Assets .178 .097
Tangible Equity/Tangible Assets .09 -.063
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 6,001 19,818
Tier 2 Capital 465 1,679
Total Capital 6,466 21,494
Total Risk Weighted Assets 40,174 146,572
Leverage Ratio 9.86 10.136
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 14.94 15.738
Total Capital Ratio 16.09 16.841

Timeline for Citizens First Bank, Inc.

Traders Bank

Citizens First Bank, Inc. was acquired by Traders Bank 15 years

View Profile Oct 25 2008

Premier Financial Bancorp, Inc.

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

View Profile May 01 2008

Citizens First Bank, Inc.

Citizens First Bank, Inc. was established 22 years ago and is currently headquartered in Ravenswood, WV.

Jul 19 2001
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Traders Bank Buyer 158,620 Pooling of Interests Discontinued 10/25/2008
Relationships Role Relationship Start Relationship End
Premier Financial Bancorp, Inc. Parent 5/1/2008 10/24/2008
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