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Profile - Citizens First Financial (NasdaqNM:CFSB)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider | Financials
Recent Events
Aug 31Price hit new 52-week high ($16.95)
Aug 27Dividend payment of $0.06
Location
2101 North Veterans Parkway
Bloomington, IL 61704
Phone: (309) 661-8700
Fax: (309) 661-0606
Employees (last reported count): 74
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Related Links
 ·Search Yahoo! for related links...
Ownership
·Insider and 5%+ Owners: 43%
·Over the last 6 months:
 · 2 insider buys; 1,000  shares (0.1% of insider shares)
·Institutional: 3% (5% of float)
(12 institutions)
·Net Inst. Buying: 3,000  shares (+5.88%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Citizens First Financial Corp. is a savings and loan holding company that operates Citizens Savings Bank (the Bank). The Company does not transact any material business other than through the Bank. The Bank's principal business consists of the acceptance of retail deposits from the general public in the area surrounding its branch offices, and the investment of those deposits, together with funds generated from operations and borrowings, in one- to four-family residential mortgage loans, multi-family, commercial real estate, consumer and other loans. The Bank originates loans for investment and for sale. The Bank's deposit gathering is concentrated in the communities surrounding its five offices located in the municipalities of Bloomington, Normal and Fairbury, Illinois, which are part of McLean and Livingston Counties.
More from Market Guide: Expanded Business Description

Financial Summary
CFSB is a savings and loan holding company for Citizens Savings Bank, F.S.B., a federally-chartered savings bank located in Central IL. For the six months ended 6/30/01, interest income rose 4% to $12.6 million. Net interest income after loan provision fell 10% to $4.6 million. Net income fell 52% to $1.1 million. Results reflect growth in loans outstanding offset by increased interest paid on deposits and the absence of a $2.4 million gain on the sale of a branch facility.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY1999 Pay

Lowell Thompson
Chairman
--  
C. Landefeld, 60
Pres and CEO
$270K
Dallas Smiley, 54
Sr. VP and CFO
158K
Richard Becker, 52
Sr. VP and Sec.
164K
Dollar amounts are as of 31-Dec-1999 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:CFSBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 18-Dec-2000
$11.50 
Recent Price$16.95 
52-Week High
on 31-Aug-2001
$16.95 
Beta0.02 
Daily Volume (3-month avg)3,091 
Daily Volume (10-day avg)3,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y]
52-Week Change+18.9%
52-Week Change
relative to S&P500
+59.6%
Share-Related Items
Market Capitalization$26.6M
Shares Outstanding1.57M
Float900.0K
Dividends & Splits
Annual Dividend (indicated)$0.24 
Dividend Yield1.42%
Last Splitnone 
Per-Share Data
Book Value (mrq)$19.53 
Earnings (ttm)$0.44 
Earnings (mrq)$0.37 
Sales (ttm)$15.83 
Cash (mrq)$4.63 
Valuation Ratios
Price/Book (mrq)0.87 
Price/Earnings (ttm)38.88 
Price/Sales (ttm)1.07 
Income Statements
Sales (ttm)$25.6M
EBITDAN/A 
Income available to common (ttm)$565.0K
Profitability
Profit Margin (ttm)2.2%
Operating Margin (ttm)27.9%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.17%
Return on Equity (ttm)1.75%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$7.27M
Short Interest
As of 8-Aug-2001
Shares Short0 
Shares Short
(Prior Month)
0 
Daily Volume3,000 
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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