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+: Citizens 1st Bank has followed an ultra-conservative policy and has EXCELLENT scores on most of our indicators. Even in a negative economic environment, this bank should remain healthy." - Weiss Rating, Inc.

	Report of Condition at Close of Business, December 31, 2005 ASSETS Cash and balances due from depository institutions: Noninterest-bearing balances and currency and coin $      6,420,851 Interest-bearing balances 6,532,977 Securities: Held-to-maturity securities 469,220 Available-for-sale securities 344,418,210 Federal funds sold 0 Loans $  230,997,660  Unearned Discounts & Reserves (1,469,787) LESS: Allowance for loan and lease losses (534,949) Net Loans 228,992,924 Premises and fixed assets 1,285,323 Other real estate owned 381,442 Intangible assets 0 Other assets 15,152,151 Total Assets $  603,653,098 LIABILITIES & EQUITY CAPITAL Liabilities Deposits: In domestic offices $   281,217,761 Noninterest-bearing $    25,621,294 Interest-bearing 255,596,467 Federal funds purchased 5,230,143 Demand notes issued to the U.S. Treasury 171,854 Other borrowed money 227,143,015 Other liabilities 2,020,959 Total Liabilities 515,783,732 Equity Capital Common Stock 3,500,000 Surplus 40,000,000 Undivided profits and capital reserves & marketable securities 44,369,366 Total Equity Capital 87,869,366 Total Liabilities and Equity Capital $  603,653,098

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

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