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Profile - Citizens First Bancorp (NasdaqNM:CTZN)
As of 31-Aug-2001
Enter symbol:
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More Info: Quote | Chart | News | Profile | SEC | Insider | Financials
Recent Events
Aug 21Price hit new 52-week high ($16.66)
Location
525 Water Street
Port Huron, MI 48060
Phone: (810) 987-8300
Fax: (810) 987-0079
Employees (last reported count): 215
Financial Links
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 10%
·Over the last 6 months:
 · 18 insider buys; 271.0K shares (40.3% of insider shares)
 · one insider sell; 17.0K shares
  (2.5% of insider shares)
·Institutional: 34% (38% of float)
(17 institutions)
·Net Inst. Buying: 317.0K shares (+8.87%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Citizens First Bancorp, Inc. is the holding company of Citizens First Saving Bank (Citizens First). The Company was formed on March 7, 2001 upon completion of the conversion from the mutual to stock form of ownership of Citizens First. Citizens First operates as a community-oriented financial institution, specializing in the acceptance of retail deposits from the general public in the areas surrounding its 14 full-service banking offices, and using those funds, together with funds generated from operations and borrowings, to originate loans. The principal lending activity of Citizens First is the origination of mortgage loans for the purpose of purchasing or refinancing one- to four-family residential property. Citizens First also originates commercial real estate loans, construction loans, commercial loans, automobile loans, home equity loans and lines of credit and a variety of consumer loans.
More from Market Guide: Expanded Business Description

Financial Summary
Citizens First Bancorp, Inc., is the holding company of Citizens First Saving Bank. For the three months ended 6/30/01, interest income rose 21% to $17 million. Net interest income after provision for loan losses rose 32% to $8.4 million. Net income rose 30% to $2.7 million. Net interest income reflects higher interest earning assets and decreased interest paid on deposits. Earnings were partially offset by higher compensation expenses and increased consulting fees.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2001 Pay

Marshall Campbell, 50
Chairman
--  
Larry Moeller, Sr., 56
Pres, CEO, Director
$415K
Timothy Regan, 39
Sr. VP, Sec., Controller, Director
123K
J. Stephen Armstrong, 49
Sr. VP, Commercial Banking
107K
Randy Cutler, 45
Sr. VP, Retail Banking and Branch Operations
124K
Dollar amounts are as of 31-Mar-2001 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:CTZNAs of 31-Aug-2001
Price and Volume
52-Week Low
on 22-Mar-2001
$12.813
Recent Price$15.10 
52-Week High
on 21-Aug-2001
$16.66 
Daily Volume (3-month avg)28.9K
Daily Volume (10-day avg)30.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y]
13-Week Change+0.3%
13-Week Change
relative to S&P500
+11.5%
Share-Related Items
Market Capitalization$143.9M
Shares Outstanding9.53M
Float8.60M
Dividends & Splits
Annual Dividendnone 
Last Splitnone 
Per-Share Data
Book Value (mrq)$16.03 
Earnings (ttm)$0.40 
Earnings (mrq)$0.29 
Sales (ttm)$6.66 
Cash (mrq)$1.15 
Valuation Ratios
Price/Book (mrq)0.94 
Price/Earnings (ttm)37.66 
Price/Sales (ttm)2.27 
Income Statements
Sales (ttm)$63.5M
EBITDAN/A 
Income available to common (ttm)$3.82M
Profitability
Profit Margin (ttm)6.2%
Fiscal Year
Fiscal Year EndsMar 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.46%
Return on Equity (ttm)3.08%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$10.9M
Short Interest
As of 8-Aug-2001
Shares Short25.0K
Percent of Float0.3%
Shares Short
(Prior Month)
44.0K
Short Ratio0.59 
Daily Volume42.0K
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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