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Profile - Citizens First Corp. (OTC BB:CZFC.OB)
As of 31-Aug-2001
Enter symbol:
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More Info: Quote | Chart | News | Profile | SEC
Recent Events
July 31Price hit new 52-week low ($11.00)
Location
1805 Campbell Lane
Bowling Green, KY 42101
Phone: (502) 393-0700
Employees (last reported count): 27
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·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: 22%
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Citizens First Corp. is the holding company for Citizens First Bank, Inc (the Bank). The Company, through the Bank, is engaged in the banking business, primarily serving customers in the Bowling Green/Warren County, Kentucky market. To meet the needs of individuals, small businesses, partnerships and corporations, the Bank provides a full range of corporate and retail banking services, including checking, savings and time deposit accounts; secured and unsecured loans to corporations, individuals and others; letters of credit; rental of safe deposit boxes; and cash management services. The Bank also offers, through an affiliation with third parties, trust services and investment management services. As of December 31, 2000, the Company had total consolidated assets of $74.1 million, total loans of $61 million, total deposits of $62.5 million and shareholders' equity of $6.7 million.
More from Market Guide: Expanded Business Description

Financial Summary
Citizens First Corp. is a bank holding company of the Citizens First Bank, Inc., which provides personal and business banking primarily to customers in the Bowling Green/Warren County, Kentucky. For the six months ended 6/01, total interest income rose 52% to $3.2 million. Net interest income after loan loss prov. rose 26% to $1 million. Net loss fell 82% to $55 thousand. Results reflect growth of loans and deposits, a lower net interest margin, and increased service charges.
More from Market Guide: Significant Developments

Officers
FY2000 Pay

Floyd Ellis, 74
Chairman
--  
Mary Cohron, 53
Pres, CEO, Director
$102K
Bill Wright, 41
CFO, Treasurer
--  
John Perkins, 58
COO, VP, Director
--  
Barry Bray, 54
VP, CCO
--  
Dollar amounts are as of 31-Dec-2000 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 -- OTC BB:CZFC.OBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 31-July-2001
$11.00 
Recent Price$11.15 
52-Week High
on 18-Apr-2001
$16.00 
Daily Volume (3-month avg)182 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y]
52-Week Change-25.7%
52-Week Change
relative to S&P500
-0.3%
Share-Related Items
Market Capitalization$7.17M
Shares Outstanding643.0K
Float500.0K
Dividends & Splits
Annual Dividendnone 
Last Splitnone 
Per-Share Data
Book Value (mrq)$10.33 
Earnings (ttm)-$0.06 
Earnings (mrq)$0.02 
Sales (ttm)$9.35 
Cash (mrq)$10.27 
Valuation Ratios
Price/Book (mrq)1.08 
Price/EarningsN/A 
Price/Sales (ttm)1.19 
Income Statements
Sales (ttm)$6.01M
EBITDAN/A 
Income available to common (ttm)-$36.0K
Profitability
Profit Margin (ttm)-0.6%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)-0.05%
Return on Equity (ttm)-0.54%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$6.61M
Short Interest
Shares ShortN/A 
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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