Citizens First Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Citizens First Corporation (Company) was incorporated in 1975 for the purpose of conducting business as an investment club. Through the completion of a public offering of its common stock in February 1999, the Company became a registered bank holding company and, in turn, capitalized Citizens First Bank, Inc. (Bank), a de novo commercial bank chartered under the banking laws of the State of Kentucky. The Bank began operations in February 1999 and is the Company’s only operating subsidiary. Along with its headquarters in Bowling Green, the Bank currently operates nine branches in the counties of Warren, Simpson, Barren and Hart in south central Kentucky.

Campbell Lane
1805 Campbell Lane
Bowling Green, KY 42104

Lehman Avenue
987 Lehman Avenue
Bowling Green, KY 42101

Hartland
1700 Scottsville Road
Bowling Green, KY 42103

Southland
2451 Industrial Drive
Bowling Green, KY 42101

Franklin
1200 South Main Street
Franklin KY, 42134

Southgate
607 So. L Rogers Wells Blvd
Glasgow, KY 42141

West Cherry
760 West Cherry Street
Glasgow, KY 42141

Horse Cave
204 East Main Street
Horse Cave, KY 42749

Munfordville
656 North Main Street
Munfordville, KY 42765