Citizens First Bank (IA)

1442 Lincoln Way
Clinton, IA 52732
877-902-1442
www.bankatcfb.com

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Citizens First Bank (IA) is headquartered in Clinton and is the 132^nd largest bank in the state of Iowa. It is also the 3,936^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 39 employees at 3 locations. Citizens First Bank (IA) has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Citizens First Bank (IA) Checking Account Rates

Apy	Min	Max	Product
2.01%	-	$25k	Smart eChecking
0.25%	$25k	-	Choice Checking
0.25%	$25k	-	Gold Checking
0.25%	$25k	-	Business Plus Checking

Citizens First Bank (IA) Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Personal Basic Savings
0.15%	-	-	Business Basic Savings

Citizens First Bank (IA) Money Market Rates

Apy	Min	Max	Product
0.25%	$25k	-	Personal Money Market
0.25%	$25k	-	Business Money Market

Citizens First Bank (IA) CD Rates

Apy	Min	Max	Product
1.60%	$500	-	60 Month CD
1.30%	$500	-	48 Month CD
1.20%	$500	-	36 Month CD
1.00%	$500	-	21 Month CD Special
0.80%	$500	-	24 Month CD
0.70%	$500	-	18 Month CD
0.50%	$500	-	12 Month CD
0.30%	$500	-	6 Month CD
0.20%	$500	-	3 Month CD
0.15%	$500	-	7 - 89 Day CD

Citizens First Bank (IA) IRA Rates

Apy	Min	Max	Product
1.60%	$500	-	60 Month IRA
1.60%	$500	-	60 Month Roth IRA
1.30%	$500	-	48 Month IRA
1.30%	$500	-	48 Month Roth IRA
1.20%	$500	-	36 Month IRA
1.20%	$500	-	36 Month Roth IRA
0.80%	$500	-	24 Month IRA
0.80%	$500	-	24 Month Roth IRA
0.70%	$500	-	18 Month IRA
0.70%	$500	-	18 Month Roth IRA
0.50%	$500	-	12 Month IRA
0.50%	$500	-	12 Month Roth IRA
0.30%	$500	-	6 Month IRA
0.30%	$500	-	6 Month Roth IRA
0.20%	$500	-	3 Month IRA
0.20%	$500	-	3 Month Roth IRA
0.15%	$500	-	7 - 89 Day IRA
0.15%	$500	-	7 - 89 Day Roth IRA

Rates updated: 5/24/2012

Data for Q1 2012

Institution Statistics

Citizens First Bank
FDIC Certificate #	35477
BankRate Report	View
Year Established	2000
Employees	39
Primary Regulator	FDIC
Assets and Liabilities
Assets	$146.57 million
Loans	$114.30 million
Deposits	$130.44 million
Equity Capital	$14.80 million
Loan Loss Allowance	$1.26 million
Unbacked Noncurrent Loans	$479,000
Real Estate Owned	$74,000
Historic Data - March 2011
Assets	$137.26 million
Equity Capital	$13.18 million
Loan Loss Allowance	$1.09 million
Unbacked Noncurrent Loans	$751,000
Real Estate Owned	$110,000
Profit Margin - Quarterly
Net Interest Margin	4.08%
Return on Assets	1.71%
Return on Equity	17.1%
Interest Income	$1.72 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Citizens First Bank (IA) had $553,000 in non-current loans and owned real-estate with $16.06 million in equity and loan loss allowances on hand to cover it. This gives Citizens First Bank (IA) a Texas Ratio of 3.44% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Citizens First Bank (IA) decreased significantly from 6.03% as of March 31, 2011 to 3.44% as of March 31, 2012, resulting in a positive change of 42.91%.This indicates that the balance sheet and financial strength for Citizens First Bank (IA) has improved significantly in recent periods.
Deposit Growth
In the past year, Citizens First Bank (IA) has increased its total deposits by $7.71 million, resulting in 6.29% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizens First Bank (IA) has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizens First Bank (IA) has $146.56 million in assets with $16.06 million in equity, resulting in a capitalization level of 10.96%, which is above average.

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