Vitals
  • Total Assets
    455.4M 5.4 %
  • Total Deposits
    371.1M 0.0 %
  • Total Net Loans
    354.8M 8.9 %
  • Net Income
    4.6M 16.0 %
  • Book Value
    47.0M 1.9 %
  • Book Value x2
    94.0M 1.9 %
  • Book Value x3
    141.0M 1.9 %
ROAA

1.04

ROAE

9.783

Efficiency Ratio

64.621

Net Interest Margin

3.931

Balance Sheet Highlights
Financial Highlights Citizens First Bank, Inc. All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 455,354 275,102
Total Net Loans 354,801 177,820
Total Deposits 371,117 227,063
Total Equity 47,009 30,287
Profitability
Net Income 4,572 2,592
Return on Average Assets 1.04 .944
Return on Average Equity 9.783 8.074
Net Interest Margin 3.931 3.847
Efficiency Ratio 64.621 70.925
Noninterest Income/Revenue 13.784 17.219
Balance Sheet Ratios
Loan-to-Deposit 95.604 76.952
Securities/Assets .118 .219
Total Equity/Total Assets .103 .11
Tangible Equity/Tangible Assets .094 .107
Capital Adequacy
Tier 1 Common Capital 43,497 29,354
Tier 1 Capital 43,497 29,354
Tier 2 Capital 4,819 2,092
Total Capital 48,316 31,454
Total Risk Weighted Assets 385,535 190,479
Leverage Ratio 9.89 11.285
Common Equity Tier 1 Capital Ratio 11.28 17.115
Tier 1 Capital Ratio 11.28 17.115
Total Capital Ratio 12.53 18.174

Timeline for Citizens First Bank, Inc.

Kentucky Banking Centers, Inc.

Acquisition: Citizens First Bank, Inc. acquired a new subsidiary, Kentucky Banking Centers, Inc., 17 years

View Profile Dec 01 2006

Citizens First Mortgage Company

Citizens First Mortgage Company became a new subsidiary organization for Citizens First Bank, Inc..

View Profile Jan 02 2003

Southern Kentucky Land Title Company

Southern Kentucky Land Title Company became a new subsidiary organization for Citizens First Bank, Inc..

View Profile Jan 02 2003

Citizens First Bank, Inc.

Citizens First Bank, Inc. was established 25 years ago and is currently headquartered in Bowling Green, KY.

Feb 18 1999

Citizens First Corporation

Citizens First Corporation became a new parent organization for Citizens First Bank, Inc..

View Profile Feb 18 1999
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Kentucky Banking Centers, Inc. Seller 124,383 Acquisition Discontinued 12/1/2006
Relationships Role Relationship Start Relationship End
Citizens First Corporation Parent 2/18/1999
Citizens First Mortgage Company Subsidary 6/30/2007 1/21/2009
Southern Kentucky Land Title Company Subsidary 6/30/2007 1/21/2009
Citizens First Mortgage Company Subsidary 1/2/2003 6/29/2007
Southern Kentucky Land Title Company Subsidary 1/2/2003 6/29/2007
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