How the experts rate Citizens 1st Bank:

"Five Stars is the highest rating we award and indicates that this institution is one of the safest, credit-worthy banks in the United States." - Bauer Financial Reports "According to our analysis of data obtained from the Federal Reserve Board ... Citizens 1st Bank meets all the safety and soundness conditions for our highest rating." - Veribank "In recognition of having demonstrated sound management practices, evidenced by consistently high return on assets over a five year period, thus establishing Citizens 1st Bank as a High Performance Bank in the finest traditions of U.S. commercial banking." - Bank Administration Institute Center for High Performance Banking "For the eleventh consecutive year, Citizens 1st Bank received an A+ rating, making it again one of the best rated in the country. The objective Sheshunoff Ratings are a nationally recognized measurement of a bank's safety and soundness." - Sheshunoff Rating Services "SUPERIOR: These institutions are simply the best by all measures. They have strong capital, high liquidity, and are profitable." - IDC Financial Publishing "A: This rating recognizes Citizens 1st Bank as an outstanding bank offering excellent financial stability for its customers, vendors, and employees. Please know that fewer than four percent of the nation's banks and thrifts meet TheStreet.com Rating's criteria for exceptional financial strength, making this distinction truly one to be proud." TheStreet.com Ratings, Inc.

	Report of Condition at Close of Business, December 31, 2007 ASSETS Cash and balances due from depository institutions: Noninterest-bearing balances and currency and coin $      9,232,752 Interest-bearing balances 2,865,959 Securities: Held-to-maturity securities 469,327 Available-for-sale securities 289,338,048 Federal funds sold 6,218,107 Loans $  264,367,283  Unearned Discounts & Reserves (1,013,889) LESS: Allowance for loan and lease losses (483,899) Net Loans 262,869,495 Premises and fixed assets 1,645,191 Other real estate owned 23,522 Intangible assets 0 Other assets 11,042,087 Total Assets $  583,704,488 LIABILITIES & EQUITY CAPITAL Liabilities Deposits: In domestic offices $   333,394,477 Noninterest-bearing $    30,215,591 Interest-bearing 303,178,886 Federal funds purchased 0 Demand notes issued to the U.S. Treasury 159,700 Other borrowed money 165,314,867 Other liabilities 2,480,664 Total Liabilities 501,349,708 Equity Capital Common Stock 3,500,000 Surplus 40,000,000 Undivided profits and capital reserves & marketable securities 38,854,780 Total Equity Capital 82,354,780 Total Liabilities and Equity Capital $  583,704,488

12/31/2005       12/31/2006       12/31/2007

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