Vitals
  • Total Assets
    161.0M 2.2 %
  • Total Deposits
    142.6M 2.6 %
  • Total Net Loans
    114.1M -3.4 %
  • Net Income
    959000.0000 -6.8 %
  • Book Value
    13.8M -2.0 %
  • Book Value x2
    27.7M -2.0 %
  • Book Value x3
    41.5M -2.0 %
ROAA

.601

ROAE

6.731

Efficiency Ratio

77.364

Net Interest Margin

4.615

Balance Sheet Highlights
Financial Highlights Citizens First Bank All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets 161,038 350,717
Total Net Loans 114,068 240,957
Total Deposits 142,634 296,573
Total Equity 13,837 37,152
Profitability
Net Income 959 3,593
Return on Average Assets .601 .956
Return on Average Equity 6.731 8.82
Net Interest Margin 4.615 4.036
Efficiency Ratio 77.364 69.386
Noninterest Income/Revenue 16.282 17.129
Balance Sheet Ratios
Loan-to-Deposit 79.973 77.925
Securities/Assets .141 .166
Total Equity/Total Assets .086 .106
Tangible Equity/Tangible Assets .086 .103
Capital Adequacy
Tier 1 Common Capital 13,971 35,983
Tier 1 Capital 13,971 36,157
Tier 2 Capital 1,155 2,649
Total Capital 15,126 38,803
Total Risk Weighted Assets 110,709 253,332
Leverage Ratio 8.71 10.564
Common Equity Tier 1 Capital Ratio 12.62 15.215
Tier 1 Capital Ratio 12.62 15.278
Total Capital Ratio 13.66 16.362

Timeline for Citizens First Bank

Cfb Bancshares, Inc.

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

View Profile Oct 24 2002

Cfb Financial Services, Inc.

Cfb Financial Services, Inc. became a new subsidiary organization for Citizens First Bank.

View Profile Oct 24 2002

Citizens First Bank

Citizens First Bank was established 27 years ago and is currently headquartered in Wartburg, TN.

Feb 10 1997
Relationships Role Relationship Start Relationship End
Cfb Bancshares, Inc. Parent 10/24/2002
Cfb Financial Services, Inc. Subsidary 6/30/2007 12/31/2011
Cfb Financial Services, Inc. Subsidary 10/24/2002 6/29/2007
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