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How Safe are Your Deposits?
 

At Citizens First National Bank, we are notorious for our pride in our financial strength and stability. If you have ever jokingly said something like, “Maybe I should put some of my money somewhere else, just to be safe...” you probably got an earful from one of us that to truly be safe, Citizens is the place to have your money. Well, we can pay lip service to that idea all day long but unless we can prove it, it’s just a bunch of hot air right?

 

 
Let’s just say up front that as far as we know, none of our competing banks, savings banks, or credit unions are in trouble. We are not in an area with big housing or commercial real estate problems, all these institutions pay into insurance funds which insure their customer’s deposits up to certain limits and they all have holding companies which maintain additional capital to support the banks if hard times come. But, who’s really best when it comes to financial strength?
 
In the graph above on the left, we show Citizens' dollars of holding company capital available to support our combined bank and holding company liabilities. This is the "cushion" we provide to keep your money safe in hard times. To the right are the results for other real banks in this area . As you can see by comparison, Citizens is clearly the preferred choice! We actually hold so much capital because we don’t believe in taking big risks with our money – or yours. So, if you want true safety and peace of mind, check out Citizens First National Bank. You won’t be disappointed!
 
Bank holding company capital and liability figures were obtained from December 31, 2007 holding company reports as published to the FFIEC website www.FFIEC.gov. Bank liability figures were obtained from year end CALL or TFR reports available through links on www.FDIC.gov.

 
   

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The Citizens First National Bank has chosen not to participate in the FDIC's Transaction Account Guarantee Program. Customers of The Citizens First National Bank with noninterest-bearing transaction accounts will continue to be insured through December 31, 2009 for up to $250,000 under the FDIC's general deposit insurance rules.