Vitals
  • Total Assets
    2.0B 4.7 %
  • Total Deposits
    1.6B 6.6 %
  • Total Net Loans
    385.5M 27.5 %
  • Net Income
    21.9M 15.1 %
  • Book Value
    180.5M 8.2 %
  • Book Value x2
    361.1M 8.2 %
  • Book Value x3
    541.6M 8.2 %
ROAA

1.109

ROAE

12.508

Efficiency Ratio

41.704

Net Interest Margin

2.515

Balance Sheet Highlights
Financial Highlights Citizens First Bank All Insured Commercial Banks in Florida
Balance Sheet $(000)
Total Assets 1,956,455 586,559
Total Net Loans 385,540 397,788
Total Deposits 1,648,067 483,997
Total Equity 180,530 60,775
Profitability
Net Income 21,947 4,381
Return on Average Assets 1.109 .706
Return on Average Equity 12.508 6.893
Net Interest Margin 2.515 3.553
Efficiency Ratio 41.704 74.427
Noninterest Income/Revenue 15.051 15.578
Balance Sheet Ratios
Loan-to-Deposit 23.394 80.705
Securities/Assets .747 .17
Total Equity/Total Assets .092 .104
Tangible Equity/Tangible Assets .092 .1
Capital Adequacy
Tier 1 Common Capital 182,758 55,412
Tier 1 Capital 182,758 55,855
Tier 2 Capital 6,741 4,271
Total Capital 189,499 60,316
Total Risk Weighted Assets 880,190 416,967
Leverage Ratio 9.09 10.155
Common Equity Tier 1 Capital Ratio 20.76 14.982
Tier 1 Capital Ratio 20.76 15.063
Total Capital Ratio 21.53 16.194

Timeline for Citizens First Bank

Villages Bancorporation, Inc.

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

View Profile Jan 02 1993

Citizens First Bank

Citizens First Bank was established 32 years ago and is currently headquartered in The Villages, FL.

Jul 01 1991
Relationships Role Relationship Start Relationship End
Villages Bancorporation, Inc. Parent 1/2/1993
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