Vitals
  • Total Assets
    924.0M -13.6 %
  • Total Deposits
    869.4M -7.4 %
  • Total Net Loans
    491.2M -21.3 %
  • Net Income
    -4712000.0000 74.1 %
  • Book Value
    18.4M -71.3 %
  • Book Value x2
    36.9M -71.3 %
  • Book Value x3
    55.3M -71.3 %
ROAA

-.645

ROAE

-24.891

Efficiency Ratio

111.642

Net Interest Margin

3.303

Balance Sheet Highlights
Financial Highlights Citizens First National Bank All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 923,959 231,158
Total Net Loans 491,172 135,218
Total Deposits 869,440 197,833
Total Equity 18,433 23,613
Profitability
Net Income -4,712 1,259
Return on Average Assets -.645 .756
Return on Average Equity -24.891 6.866
Net Interest Margin 3.303 3.585
Efficiency Ratio 111.642 68.769
Noninterest Income/Revenue 20.676 15.167
Balance Sheet Ratios
Loan-to-Deposit 56.493 64.33
Securities/Assets .19 .217
Total Equity/Total Assets .02 .102
Tangible Equity/Tangible Assets .016 .099
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 18,093 21,242
Tier 2 Capital 7,314 1,756
Total Capital 25,407 22,999
Total Risk Weighted Assets 573,472 151,451
Leverage Ratio 1.93 9.83
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 3.15 16.229
Total Capital Ratio 4.43 17.346

Timeline for Citizens First National Bank

Heartland Bank And Trust Company

Citizens First National Bank was acquired by Heartland Bank And Trust Company 11 years

View Profile Nov 03 2012

Farmers State Bank Of Somonauk

Acquisition: Citizens First National Bank acquired a new subsidiary, Farmers State Bank Of Somonauk, 18 years

View Profile Jul 31 2005

Citizens First National Bank Of Genoa

Acquisition: Citizens First National Bank acquired a new subsidiary, Citizens First National Bank Of Genoa, 30 years

View Profile Feb 12 1994

Heart Of Illinois Bank, F.S.B.

Acquisition: Citizens First National Bank acquired a new subsidiary, Heart Of Illinois Bank, F.S.B., 30 years

View Profile Jan 08 1994

Citizens First National Bank Of Peru

Acquisition: Citizens First National Bank acquired a new subsidiary, Citizens First National Bank Of Peru, 30 years

View Profile Dec 06 1993

Want to see more?

Complete timeline for Citizens First National Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Heartland Bank And Trust Company Buyer 2,976,678 Failure 11/3/2012
Farmers State Bank Of Somonauk Seller 210,403 Acquisition Discontinued 7/31/2005
Citizens First National Bank Of Genoa Seller 43,252 Discontinued 2/12/1994
Heart Of Illinois Bank, F.S.B. Seller 70,178 Discontinued 1/8/1994
Citizens First National Bank Of Peru Seller 58,150 Discontinued 12/6/1993
Colonial Bank And Trust Co. Of Bureau County Seller 17,838 Discontinued 7/2/1992
Citizens First National Bank Of Oglesby Seller 30,040 Discontinued 1/12/1991
Relationships Role Relationship Start Relationship End
Princeton National Bancorp, Inc. Parent 12/29/1982 11/2/2012
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