Vitals
  • Total Assets
    186.3M 5.8 %
  • Total Deposits
    161.1M 6.0 %
  • Total Net Loans
    138.4M 9.0 %
  • Net Income
    2.3M 16.9 %
  • Book Value
    21.7M 2.8 %
  • Book Value x2
    43.3M 2.8 %
  • Book Value x3
    65.0M 2.8 %
ROAA

1.243

ROAE

10.429

Efficiency Ratio

69.755

Net Interest Margin

4.32

Balance Sheet Highlights
Financial Highlights Citizens First Bank All Insured Commercial Banks in Wisconsin
Balance Sheet $(000)
Total Assets 186,338 272,940
Total Net Loans 138,357 188,306
Total Deposits 161,120 228,985
Total Equity 21,673 30,879
Profitability
Net Income 2,266 3,013
Return on Average Assets 1.243 1.04
Return on Average Equity 10.429 8.894
Net Interest Margin 4.32 3.727
Efficiency Ratio 69.755 64.939
Noninterest Income/Revenue 11.333 14.969
Balance Sheet Ratios
Loan-to-Deposit 85.872 81.441
Securities/Assets .153 .167
Total Equity/Total Assets .116 .113
Tangible Equity/Tangible Assets .108 .11
Capital Adequacy
Tier 1 Common Capital 20,085 29,936
Tier 1 Capital 20,085 29,937
Tier 2 Capital 1,856 2,305
Total Capital 21,941 32,273
Total Risk Weighted Assets 148,240 202,263
Leverage Ratio 10.83 11.31
Common Equity Tier 1 Capital Ratio 13.55 15.769
Tier 1 Capital Ratio 13.55 15.771
Total Capital Ratio 14.8 16.923

Timeline for Citizens First Bank

First National Bank In Viroqua

Acquisition: Citizens First Bank acquired a new subsidiary, First National Bank In Viroqua, 19 years

View Profile Jun 10 2005

Firsnabanco, Inc.

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

View Profile Oct 28 1985

Citizens First Bank

Citizens First Bank was established 112 years ago and is currently headquartered in Viroqua, WI.

Jan 01 1912
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First National Bank In Viroqua Seller 81,187 Pooling of Interests Discontinued 6/10/2005
Relationships Role Relationship Start Relationship End
Firsnabanco, Inc. Parent 10/28/1985
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