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Citizens First Bank, Assets and Liabilities
| 1994-12-31 | Rank | |
| # of Employees: | 41 | 4,778 |
| Assets and Liabilities | ||
| Total Assets: | $91,440,000 | 4,730 |
| Cash and due from depository institutions | $5,618,000 | 4,778 |
| Interest-bearing balances | $4,028,000 | 891 |
| Securities | $23,143,000 | 5,291 |
| Federal funds sold & reverse repurchase agreements | $10,000 | 8,365 |
| Net loans & leases | $59,935,000 | 4,204 |
| Loan loss allowance | $758,000 | 4,528 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,339,000 | 5,046 |
| Other real estate owned | $168,000 | 4,778 |
| Goodwill and other intangibles | $445,000 | 1,513 |
| All other assets | $782,000 | 7,798 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $91,440,000 | 4,730 |
| Total liabilities | $84,901,000 | 4,636 |
| Total deposits | $84,020,000 | 4,455 |
| Interest-bearing deposits | $79,258,000 | 4,096 |
| Deposits held in domestic offices | $84,020,000 | 4,444 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $881,000 | 3,379 |
| Total equity capital | $6,539,000 | 5,863 |
| Total bank equity capital | $6,539,000 | 5,863 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $400,000 | 6,431 |
| Surplus | $6,108,000 | 2,341 |
| Undivided profits | $31,000 | 11,454 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $665,000 | 3,552 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $353,000 | 5,772 |
| Earning assets | $87,116,000 | 4,563 |
| Long-term assets (5+ years) | $34,185,000 | 1,637 |
| Average Assets, year-to-date | $66,718,000 | 6,025 |
| Average Assets, quarterly | $91,292,500 | 4,712 |
| Volatile liabilities | $6,739,000 | 5,685 |
| Insider loans | $95,000 | 9,525 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $3,415,000 | 5,994 |
| Tier 1 (core) risk-based capital | $6,796,000 | 5,780 |
| Tier 2 risk-based capital | $668,030 | 4,137 |
| Total risk weighted assets | $53,352,630 | 4,673 |
| Total unused commitments | $3,415,000 | 6,004 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 24 | 7,545 |
| Assets and Liabilities | ||
| Total Assets: | $47,471,000 | 7,979 |
| Cash and due from depository institutions | $1,238,000 | 7,545 |
| Interest-bearing balances | $806,000 | 3,687 |
| Securities | $27,739,000 | 4,793 |
| Federal funds sold & reverse repurchase agreements | $515,000 | 9,041 |
| Net loans & leases | $15,907,000 | 9,791 |
| Loan loss allowance | $201,000 | 10,230 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,399,000 | 4,934 |
| Other real estate owned | $0 | 7,545 |
| Goodwill and other intangibles | $241,000 | 1,728 |
| All other assets | $432,000 | 9,982 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $47,471,000 | 7,979 |
| Total liabilities | $43,093,000 | 7,976 |
| Total deposits | $42,953,000 | 7,811 |
| Interest-bearing deposits | $40,927,000 | 7,292 |
| Deposits held in domestic offices | $42,953,000 | 7,804 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $140,000 | 10,620 |
| Total equity capital | $4,378,000 | 7,929 |
| Total bank equity capital | $4,378,000 | 7,929 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $400,000 | 6,744 |
| Surplus | $3,600,000 | 3,583 |
| Undivided profits | $378,000 | 11,198 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 12,424 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $86,000 | 11,441 |
| Earning assets | $44,967,000 | 7,820 |
| Long-term assets (5+ years) | $13,426,000 | 3,574 |
| Average Assets, year-to-date | $47,267,000 | 7,867 |
| Average Assets, quarterly | $48,109,000 | 7,875 |
| Volatile liabilities | $3,861,000 | 7,452 |
| Insider loans | $0 | 11,728 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $3,576,000 | 5,848 |
| Tier 1 (core) risk-based capital | $4,137,000 | 8,133 |
| Tier 2 risk-based capital | $201,000 | 9,342 |
| Total risk weighted assets | $22,601,900 | 8,620 |
| Total unused commitments | $3,576,000 | 5,871 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 25 | 7,484 |
| Assets and Liabilities | ||
| Total Assets: | $45,933,000 | 8,305 |
| Cash and due from depository institutions | $7,207,000 | 7,484 |
| Interest-bearing balances | $6,751,000 | 1,114 |
| Securities | $23,078,000 | 5,498 |
| Federal funds sold & reverse repurchase agreements | $7,470,000 | 2,229 |
| Net loans & leases | $6,742,000 | 12,704 |
| Loan loss allowance | $168,000 | 11,133 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $492,000 | 8,981 |
| Other real estate owned | $0 | 7,484 |
| Goodwill and other intangibles | $259,000 | 1,693 |
| All other assets | $685,000 | 8,182 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $45,933,000 | 8,305 |
| Total liabilities | $41,762,000 | 8,314 |
| Total deposits | $41,612,000 | 8,164 |
| Interest-bearing deposits | $38,711,000 | 7,775 |
| Deposits held in domestic offices | $41,612,000 | 8,158 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $150,000 | 11,149 |
| Total equity capital | $4,171,000 | 8,062 |
| Total bank equity capital | $4,171,000 | 8,062 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $400,000 | 7,082 |
| Surplus | $3,600,000 | 3,460 |
| Undivided profits | $171,000 | 12,018 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $38,000 | 11,582 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $67,000 | 12,551 |
| Earning assets | $44,041,000 | 8,031 |
| Long-term assets (5+ years) | $6,508,000 | 5,669 |
| Average Assets, year-to-date | $45,958,800 | 8,151 |
| Average Assets, quarterly | $44,304,000 | 8,414 |
| Volatile liabilities | $1,502,000 | 10,811 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $3,119,000 | 5,975 |
| Tier 1 (core) risk-based capital | $3,912,000 | 8,306 |
| Tier 2 risk-based capital | $168,000 | 10,189 |
| Total risk weighted assets | $15,336,800 | 10,535 |
| Total unused commitments | $3,119,000 | 6,001 |
| Derivatives | $0 | 651 |