PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens First Finl Bk

Dexter, MO · Cert 9809

FDIC

Q1 1997

$89.0MAssets
$51.8MLoans
$82.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.67%, up 51 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 63.16% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.67%+51 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.48%1.50%1.50%1.16%1.22%1.22%0.78%1.67%+51 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)6.97%8.54%16.26%17.08%10.18%10.01%3.79%-4.78%-2,186 bps
Loan Growth (YoY)19.48%15.71%14.09%8.50%8.72%4.58%5.26%2.06%-644 bps
Deposit Growth (YoY)7.20%10.43%17.09%18.83%13.33%11.05%4.97%-2.82%-2,164 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits72.15%68.42%63.20%60.14%69.21%64.43%63.37%63.16%+302 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a