Regulatory Capital Matters (Tables)

6 Months Ended

Jun. 30, 2016

Regulatory Capital Matters

Schedule of the Company's and the Bank's actual capital amounts and ratios

June 30, 2016

	(Dollars in Thousands)
	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total Capital (to Risk-Weighted Assets)
Consolidated	$	46,518	12.64	%	$	29,448	8.0	%	N/A		N/A
Citizens First Bank, Inc.	47,162		12.82	%	29,440		8.0	%	$	36,800	10.0	%
Tier I Capital (to Risk-Weighted Assets)
Consolidated	41,908		11.38	%	22,086		6.0	%	N/A		N/A
Citizens First Bank, Inc.	42,554		11.56	%	22,080		6.0	%	29,440		8.0	%
Common Equity Tier I Capital (to Risk-Weighted Assets)
Consolidated	29,647		8.05	%	16,565		4.5	%	N/A		N/A
Citizens First Bank, Inc.	42,554		11.56	%	16,560		4.5	%	23,920		6.5	%
Tier I Leverage Capital to average assets
Consolidated	41,908		9.63	%	17,400		4.0	%	N/A		N/A
Citizens First Bank, Inc.	42,554		9.79	%	17,394		4.0	%	21,742		5.0	%

December 31, 2015

	(Dollars in Thousands)
	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total Capital (to Risk-Weighted Assets)
Consolidated	$	44,762	12.58	%	$	28,463	8.0	%	N/A		N/A
Citizens First Bank, Inc.	46,353		13.03	%	28,459		8.0	%	$	35,573	10.0	%
Tier I Capital (to Risk-Weighted Assets)
Consolidated	40,310		11.33	%	21,348		6.0	%	N/A		N/A
Citizens First Bank, Inc.	41,901		11.78	%	21,344		6.0	%	28,459		8.0	%
Common Equity Tier I Capital (to Risk-Weighted Assets)
Consolidated	27,650		7.77	%	16,011		4.5	%	N/A		N/A
Citizens First Bank, Inc.	41,901		11.78	%	16,008		4.5	%	23,123		6.5	%
Tier I Leverage Capital to average assets
Consolidated	39,365		9.46	%	13,961		4.0	%	N/A		N/A
Citizens First Bank, Inc.	41,901		9.83	%	17,043		4.0	%	21,304		5.0	%