Citizens First National Bank

Citizens First National Bank is headquartered in Princeton and is the 41^st largest bank in the state of Illinois. It is also the 655^th largest bank in the nation. It was established in 1865 and as of March of 2012, it had grown to 302 employees at 20 locations. Citizens First National Bank has a 1-star health rating.

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Data for Q1 2012

Institution Statistics Citizens First National Bank FDIC Certificate # 3731 BankRate Report View Year Established 1865 Employees 302 Primary Regulator OCC Assets and Liabilities Assets $1.02 billion Loans $542.50 million Deposits $921.88 million Equity Capital $31.17 million Loan Loss Allowance $29.74 million Unbacked Noncurrent Loans $91.92 million Real Estate Owned $12.39 million Historic Data - March 2011 Assets $1.08 billion Equity Capital $81.05 million Loan Loss Allowance $29.91 million Unbacked Noncurrent Loans $86.38 million Real Estate Owned $20.57 million Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets 0.47% Return on Equity 15.5% Interest Income $9.22 million

Institution Health Overall Score: 1 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 National Bank had $104.31 million in non-current loans and owned real-estate with $60.91 million in equity and loan loss allowances on hand to cover it. This gives Citizens First National Bank a Texas Ratio of 171.25% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Citizens First National Bank increased slightly from 96.29% as of March 31, 2011 to 171.25% as of March 31, 2012, resulting in a negative change of 77.86%. This indicates that the balance sheet and financial strength for Citizens First National Bank has declined slightly in recent periods. Deposit Growth In the past year, Citizens First National Bank has decreased its total deposits by -$28.96 million, resulting in -3.05% 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 National Bank has shown is below 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 National Bank has $1.02 billion in assets with $60.91 million in equity, resulting in a capitalization level of 5.97%, which is below average.

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