Citizens First Bank, Inc.

Citizens First Bank, Inc. is headquartered in Bowling Green and is the 33^rd largest bank in the state of Kentucky. It is also the 1,639^th largest bank in the nation. It was established in 1999 and as of December of 2012, it had grown to 102 employees at 10 locations. Citizens First Bank, Inc. has a 4-star health rating.

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Data for Q4 2012

Institution Statistics Citizens First Bank, Inc. FDIC Certificate # 35022 BankRate Report View Year Established 1999 Employees 102 Primary Regulator FDIC Assets and Liabilities Assets $406.42 million Loans $293.09 million Deposits $331.98 million Equity Capital $46.54 million Loan Loss Allowance $5.72 million Unbacked Noncurrent Loans $6.14 million Real Estate Owned $191,000 Historic Data - December 2011 Assets $403.11 million Equity Capital $43.33 million Loan Loss Allowance $5.87 million Unbacked Noncurrent Loans $4.26 million Real Estate Owned $637,000 Profit Margin - Quarterly Net Interest Margin 4.25% Return on Assets 0.86% Return on Equity 7.7% Interest Income $18.53 million

Institution Health Overall Score: 4 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 December 31, 2012 Citizens First Bank, Inc. had $6.33 million in non-current loans and owned real-estate with $52.26 million in equity and loan loss allowances on hand to cover it. This gives Citizens First Bank, Inc. a Texas Ratio of 12.12% which is above average. 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, Inc. held steady from 9.96% as of December 31, 2011 to 12.12% as of December 31, 2012, resulting in a negative change of 21.62%. This indicates that the balance sheet and financial strength for Citizens First Bank, Inc. has held steady in recent periods. Deposit Growth In the past year, Citizens First Bank, Inc. has decreased its total deposits by -$1.02 million, resulting in -0.31% 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, Inc. has shown is average. 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, Inc. has $406.42 million in assets with $52.26 million in equity, resulting in a capitalization level of 12.86%, which is excellent.

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