IPO Company Profile
SEC Filings | Peer IPO Companies
Citizens First Corporation
1805 Campbell Lane, Bowling Green, KY 42104 * (502) 796-3778

The company is a Kentucky corporation engaged primarily to become a bank holding company upon the consummation of this offering through the ownership of all of the common shares of the Citizens First Bank, Inc.

Primary Underwriting Group
ManagerTierPhone
J.J.B. Hilliard, W.L. Lyons, Inc.Lead Manager (502) 588-8826

Filing Information
Employees:0 Financial: SIC 6712
Type of Shares:Common Shares Filing Date:11/17/98
U.S. Shares Filed:466,667 Filing Price:$15.00
Non-U.S. Shares Filed:0 Offering Amount: $7,000,005
Primary Shares:466,667 Expenses: -
Secondary Shares:0 Post-IPO Shares:568,667

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Stoll, Keenon & Park, LLP
Bank's Law Firm: Brown Todd & Heyburn
Registrar/Transfer Agent: Reliance Trust Company
Auditor: KPMG Peat Marwick

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
9 Month Ending Financials
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Audited
Income
Balance
Sheet
12/31/97 9/30/98 9/30/97 9/30/98
Revenue:$0.07$0.01$0.01Assets:$1.38
Net Income:$0.05-$0.16$0.01Curr Assets:$1.37
EPS:$0.53-$1.61$0.07Liabilities:$0.52
Prior EPS:$0.52Curr Liab:$0.52
Cash Flow/Oper:$0.00-$0.04$0.00Equity:$0.86
Cash Flow/Fin:Cash:$0.03
Cash Flow/Inv:$0.10-$0.04Working Cap:$0.85

Use of Proceeds
The proceeds from the proposed offering will be used for capitalization of the bank and repayment of indebtedness incurred to satisfy certain organizational and pre-operational expenses.

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