401k Plan data: CITIZENS FIRST BANK 401(K) PLAN plan

CITIZENS FIRST BANK 401(K) PLAN 401k Plan overview

Plan Name	CITIZENS FIRST BANK 401(K) PLAN
Plan identification number	001

CITIZENS FIRST BANK 401(K) PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

CITIZENS FIRST BANK has sponsored the creation of one or more 401k plans.

Company Name: CITIZENS FIRST BANK

Employer identification number (EIN): 421501088

NAIC Classification: 522110
NAIC Description: Commercial Banking

Additional information about CITIZENS FIRST BANK

Jurisdiction of Incorporation: Iowa Secretary of State Business Entities

Incorporation Date: 2000-03-03

Company Identification Number: 234644

More information about CITIZENS FIRST BANK

Form 5500 Filing Information

Submission information for form 5500 for 401k plan CITIZENS FIRST BANK 401(K) PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2022-01-01 STEPHEN CLEMENTS 2023-10-10 STEPHEN CLEMENTS 2023-10-10
001 2021-01-01 KATHRYN A. FORREST 2022-10-03 KATHRYN A. FORREST 2022-10-03
001 2021-01-01 STEPHEN CLEMENTS 2023-10-16 STEPHEN CLEMENTS 2023-10-16
001 2020-01-01 KATHRYN A. FORREST 2021-10-08 KATHRYN A. FORREST 2021-10-08
001 2020-01-01 KATHRYN A. FORREST 2021-10-27 KATHRYN A. FORREST 2021-10-27
001 2019-01-01 KATHRYN A. FORREST 2020-10-09 KATHRYN A. FORREST 2020-10-09
001 2018-01-01 KATHRYN A. FORREST 2019-09-30 KATHRYN A. FORREST 2019-09-30
001 2017-01-01
001 2016-01-01
001 2015-01-01
001 2014-01-01
001 2013-01-01
001 2012-01-01 KATHRYN A. FORREST KATHRYN A. FORREST 2013-04-29
001 2011-01-01 KATHRYN A. FORREST KATHRYN A. FORREST 2012-03-05
001 2009-01-01 KATHRYN A. FORREST KATHRYN A. FORREST 2010-07-01

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
001	2022-01-01	STEPHEN CLEMENTS	2023-10-10	STEPHEN CLEMENTS	2023-10-10
001	2021-01-01	KATHRYN A. FORREST	2022-10-03	KATHRYN A. FORREST	2022-10-03
001	2021-01-01	STEPHEN CLEMENTS	2023-10-16	STEPHEN CLEMENTS	2023-10-16
001	2020-01-01	KATHRYN A. FORREST	2021-10-08	KATHRYN A. FORREST	2021-10-08
001	2020-01-01	KATHRYN A. FORREST	2021-10-27	KATHRYN A. FORREST	2021-10-27
001	2019-01-01	KATHRYN A. FORREST	2020-10-09	KATHRYN A. FORREST	2020-10-09
001	2018-01-01	KATHRYN A. FORREST	2019-09-30	KATHRYN A. FORREST	2019-09-30
001	2017-01-01
001	2016-01-01
001	2015-01-01
001	2014-01-01
001	2013-01-01
001	2012-01-01	KATHRYN A. FORREST		KATHRYN A. FORREST	2013-04-29
001	2011-01-01	KATHRYN A. FORREST		KATHRYN A. FORREST	2012-03-05
001	2009-01-01	KATHRYN A. FORREST		KATHRYN A. FORREST	2010-07-01

Plan Statistics for CITIZENS FIRST BANK 401(K) PLAN

401k plan membership statisitcs for CITIZENS FIRST BANK 401(K) PLAN

Measure Date Value
2022: CITIZENS FIRST BANK 401(K) PLAN 2022 401k membership
Total participants, beginning-of-year 2022-01-01 60
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 46
Number of retired or separated participants receiving benefits 2022-01-01 0
Number of other retired or separated participants entitled to future benefits 2022-01-01 7
Total of all active and inactive participants 2022-01-01 53
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 0
Total participants 2022-01-01 53
Number of participants with account balances 2022-01-01 45
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 0
2021: CITIZENS FIRST BANK 401(K) PLAN 2021 401k membership
Total participants, beginning-of-year 2021-01-01 56
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 46
Number of retired or separated participants receiving benefits 2021-01-01 0
Number of other retired or separated participants entitled to future benefits 2021-01-01 12
Total of all active and inactive participants 2021-01-01 58
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 58
Number of participants with account balances 2021-01-01 50
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 1
2020: CITIZENS FIRST BANK 401(K) PLAN 2020 401k membership
Total participants, beginning-of-year 2020-01-01 56
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 47
Number of retired or separated participants receiving benefits 2020-01-01 0
Number of other retired or separated participants entitled to future benefits 2020-01-01 9
Total of all active and inactive participants 2020-01-01 56
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 56
Number of participants with account balances 2020-01-01 50
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 0
2019: CITIZENS FIRST BANK 401(K) PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 45
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 37
Number of retired or separated participants receiving benefits 2019-01-01 0
Number of other retired or separated participants entitled to future benefits 2019-01-01 9
Total of all active and inactive participants 2019-01-01 46
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 46
Number of participants with account balances 2019-01-01 44
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 1
2018: CITIZENS FIRST BANK 401(K) PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 45
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 36
Number of retired or separated participants receiving benefits 2018-01-01 0
Number of other retired or separated participants entitled to future benefits 2018-01-01 7
Total of all active and inactive participants 2018-01-01 43
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 43
Number of participants with account balances 2018-01-01 43
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 2
2017: CITIZENS FIRST BANK 401(K) PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 43
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 36
Number of retired or separated participants receiving benefits 2017-01-01 0
Number of other retired or separated participants entitled to future benefits 2017-01-01 7
Total of all active and inactive participants 2017-01-01 43
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 43
Number of participants with account balances 2017-01-01 43
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 3
2016: CITIZENS FIRST BANK 401(K) PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 44
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 39
Number of retired or separated participants receiving benefits 2016-01-01 0
Number of other retired or separated participants entitled to future benefits 2016-01-01 5
Total of all active and inactive participants 2016-01-01 44
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 44
Number of participants with account balances 2016-01-01 44
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 0
2015: CITIZENS FIRST BANK 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 40
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 39
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 2
Total of all active and inactive participants 2015-01-01 41
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 41
Number of participants with account balances 2015-01-01 40
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 1
2014: CITIZENS FIRST BANK 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 42
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 37
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 2
Total of all active and inactive participants 2014-01-01 39
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 39
Number of participants with account balances 2014-01-01 37
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 0
2013: CITIZENS FIRST BANK 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 39
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 37
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 3
Total of all active and inactive participants 2013-01-01 40
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 40
Number of participants with account balances 2013-01-01 36
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 0
2012: CITIZENS FIRST BANK 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 39
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 37
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 1
Total of all active and inactive participants 2012-01-01 38
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 38
Number of participants with account balances 2012-01-01 36
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 1
2011: CITIZENS FIRST BANK 401(K) PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 37
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 37
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 1
Total of all active and inactive participants 2011-01-01 38
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 38
Number of participants with account balances 2011-01-01 35
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 1
2009: CITIZENS FIRST BANK 401(K) PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 38
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 32
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 9
Total of all active and inactive participants 2009-01-01 41
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 41
Number of participants with account balances 2009-01-01 40
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 4

Measure	Date	Value
2022: CITIZENS FIRST BANK 401(K) PLAN 2022 401k membership
Total participants, beginning-of-year	2022-01-01	60
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	46
Number of retired or separated participants receiving benefits	2022-01-01	0
Number of other retired or separated participants entitled to future benefits	2022-01-01	7
Total of all active and inactive participants	2022-01-01	53
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	0
Total participants	2022-01-01	53
Number of participants with account balances	2022-01-01	45
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	0
2021: CITIZENS FIRST BANK 401(K) PLAN 2021 401k membership
Total participants, beginning-of-year	2021-01-01	56
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	46
Number of retired or separated participants receiving benefits	2021-01-01	0
Number of other retired or separated participants entitled to future benefits	2021-01-01	12
Total of all active and inactive participants	2021-01-01	58
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	58
Number of participants with account balances	2021-01-01	50
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	1
2020: CITIZENS FIRST BANK 401(K) PLAN 2020 401k membership
Total participants, beginning-of-year	2020-01-01	56
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	47
Number of retired or separated participants receiving benefits	2020-01-01	0
Number of other retired or separated participants entitled to future benefits	2020-01-01	9
Total of all active and inactive participants	2020-01-01	56
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	56
Number of participants with account balances	2020-01-01	50
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	0
2019: CITIZENS FIRST BANK 401(K) PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	45
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	37
Number of retired or separated participants receiving benefits	2019-01-01	0
Number of other retired or separated participants entitled to future benefits	2019-01-01	9
Total of all active and inactive participants	2019-01-01	46
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	46
Number of participants with account balances	2019-01-01	44
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	1
2018: CITIZENS FIRST BANK 401(K) PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	45
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	36
Number of retired or separated participants receiving benefits	2018-01-01	0
Number of other retired or separated participants entitled to future benefits	2018-01-01	7
Total of all active and inactive participants	2018-01-01	43
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	43
Number of participants with account balances	2018-01-01	43
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	2
2017: CITIZENS FIRST BANK 401(K) PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	43
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	36
Number of retired or separated participants receiving benefits	2017-01-01	0
Number of other retired or separated participants entitled to future benefits	2017-01-01	7
Total of all active and inactive participants	2017-01-01	43
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	43
Number of participants with account balances	2017-01-01	43
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	3
2016: CITIZENS FIRST BANK 401(K) PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	44
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	39
Number of retired or separated participants receiving benefits	2016-01-01	0
Number of other retired or separated participants entitled to future benefits	2016-01-01	5
Total of all active and inactive participants	2016-01-01	44
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	44
Number of participants with account balances	2016-01-01	44
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	0
2015: CITIZENS FIRST BANK 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	40
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	39
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	2
Total of all active and inactive participants	2015-01-01	41
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	41
Number of participants with account balances	2015-01-01	40
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	1
2014: CITIZENS FIRST BANK 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	42
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	37
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	2
Total of all active and inactive participants	2014-01-01	39
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	39
Number of participants with account balances	2014-01-01	37
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	0
2013: CITIZENS FIRST BANK 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	39
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	37
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	3
Total of all active and inactive participants	2013-01-01	40
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	40
Number of participants with account balances	2013-01-01	36
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	0
2012: CITIZENS FIRST BANK 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	39
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	37
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	1
Total of all active and inactive participants	2012-01-01	38
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	38
Number of participants with account balances	2012-01-01	36
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	1
2011: CITIZENS FIRST BANK 401(K) PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	37
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	37
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	1
Total of all active and inactive participants	2011-01-01	38
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	38
Number of participants with account balances	2011-01-01	35
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	1
2009: CITIZENS FIRST BANK 401(K) PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	38
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	32
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	9
Total of all active and inactive participants	2009-01-01	41
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	41
Number of participants with account balances	2009-01-01	40
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	4

Financial Data on CITIZENS FIRST BANK 401(K) PLAN

Measure	Date	Value
2022 : CITIZENS FIRST BANK 401(K) PLAN 2022 401k financial data
Total income from all sources	2022-12-31	$-694,685
Expenses. Total of all expenses incurred	2022-12-31	$599,439
Benefits paid (including direct rollovers)	2022-12-31	$582,719
Total plan assets at end of year	2022-12-31	$4,190,958
Total plan assets at beginning of year	2022-12-31	$5,485,082
Value of fidelity bond covering the plan	2022-12-31	$5,000,000
Total contributions received or receivable from participants	2022-12-31	$182,325
Contributions received from other sources (not participants or employers)	2022-12-31	$11,476
Other income received	2022-12-31	$-989,371
Net income (gross income less expenses)	2022-12-31	$-1,294,124
Net plan assets at end of year (total assets less liabilities)	2022-12-31	$4,190,958
Net plan assets at beginning of year (total assets less liabilities)	2022-12-31	$5,485,082
Assets. Value of participant loans	2022-12-31	$50,583
Assets. Value of employer securities	2022-12-31	$99,791
Total contributions received or receivable from employer(s)	2022-12-31	$100,885
Expenses. Administrative service providers (salaries,fees and commissions)	2022-12-31	$16,720
2021 : CITIZENS FIRST BANK 401(K) PLAN 2021 401k financial data
Total income from all sources	2021-12-31	$975,858
Expenses. Total of all expenses incurred	2021-12-31	$191,230
Benefits paid (including direct rollovers)	2021-12-31	$171,305
Total plan assets at end of year	2021-12-31	$5,484,811
Total plan assets at beginning of year	2021-12-31	$4,700,183
Value of fidelity bond covering the plan	2021-12-31	$5,000,000
Total contributions received or receivable from participants	2021-12-31	$166,763
Contributions received from other sources (not participants or employers)	2021-12-31	$36,379
Other income received	2021-12-31	$680,321
Net income (gross income less expenses)	2021-12-31	$784,628
Net plan assets at end of year (total assets less liabilities)	2021-12-31	$5,484,811
Net plan assets at beginning of year (total assets less liabilities)	2021-12-31	$4,700,183
Assets. Value of participant loans	2021-12-31	$49,375
Assets. Value of employer securities	2021-12-31	$208,900
Total contributions received or receivable from employer(s)	2021-12-31	$92,395
Expenses. Administrative service providers (salaries,fees and commissions)	2021-12-31	$19,925
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-12-31	$0
2020 : CITIZENS FIRST BANK 401(K) PLAN 2020 401k financial data
Total income from all sources	2020-12-31	$1,000,832
Expenses. Total of all expenses incurred	2020-12-31	$275,272
Benefits paid (including direct rollovers)	2020-12-31	$261,546
Total plan assets at end of year	2020-12-31	$4,700,183
Total plan assets at beginning of year	2020-12-31	$3,974,623
Value of fidelity bond covering the plan	2020-12-31	$5,000,000
Total contributions received or receivable from participants	2020-12-31	$157,204
Other income received	2020-12-31	$751,441
Net income (gross income less expenses)	2020-12-31	$725,560
Net plan assets at end of year (total assets less liabilities)	2020-12-31	$4,700,183
Net plan assets at beginning of year (total assets less liabilities)	2020-12-31	$3,974,623
Assets. Value of participant loans	2020-12-31	$30,286
Assets. Value of employer securities	2020-12-31	$187,045
Total contributions received or receivable from employer(s)	2020-12-31	$92,187
Expenses. Administrative service providers (salaries,fees and commissions)	2020-12-31	$13,726
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2020-12-31	$0
2019 : CITIZENS FIRST BANK 401(K) PLAN 2019 401k financial data
Total income from all sources	2019-12-31	$1,115,260
Expenses. Total of all expenses incurred	2019-12-31	$677,981
Benefits paid (including direct rollovers)	2019-12-31	$663,273
Total plan assets at end of year	2019-12-31	$3,974,623
Total plan assets at beginning of year	2019-12-31	$3,537,344
Value of fidelity bond covering the plan	2019-12-31	$5,000,000
Total contributions received or receivable from participants	2019-12-31	$139,770
Contributions received from other sources (not participants or employers)	2019-12-31	$116,824
Other income received	2019-12-31	$800,370
Net income (gross income less expenses)	2019-12-31	$437,279
Net plan assets at end of year (total assets less liabilities)	2019-12-31	$3,974,623
Net plan assets at beginning of year (total assets less liabilities)	2019-12-31	$3,537,344
Assets. Value of participant loans	2019-12-31	$69,558
Assets. Value of employer securities	2019-12-31	$289,647
Total contributions received or receivable from employer(s)	2019-12-31	$58,296
Expenses. Administrative service providers (salaries,fees and commissions)	2019-12-31	$14,708
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-12-31	$0
2018 : CITIZENS FIRST BANK 401(K) PLAN 2018 401k financial data
Total income from all sources	2018-12-31	$92,579
Expenses. Total of all expenses incurred	2018-12-31	$365,344
Benefits paid (including direct rollovers)	2018-12-31	$358,141
Total plan assets at end of year	2018-12-31	$3,537,344
Total plan assets at beginning of year	2018-12-31	$3,810,109
Value of fidelity bond covering the plan	2018-12-31	$5,000,000
Total contributions received or receivable from participants	2018-12-31	$145,060
Contributions received from other sources (not participants or employers)	2018-12-31	$63,345
Other income received	2018-12-31	$-174,031
Net income (gross income less expenses)	2018-12-31	$-272,765
Net plan assets at end of year (total assets less liabilities)	2018-12-31	$3,537,344
Net plan assets at beginning of year (total assets less liabilities)	2018-12-31	$3,810,109
Assets. Value of participant loans	2018-12-31	$65,901
Assets. Value of employer securities	2018-12-31	$326,607
Total contributions received or receivable from employer(s)	2018-12-31	$58,205
Expenses. Administrative service providers (salaries,fees and commissions)	2018-12-31	$7,203
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-12-31	$0
2017 : CITIZENS FIRST BANK 401(K) PLAN 2017 401k financial data
Total income from all sources	2017-12-31	$820,937
Expenses. Total of all expenses incurred	2017-12-31	$129,459
Benefits paid (including direct rollovers)	2017-12-31	$120,426
Total plan assets at end of year	2017-12-31	$3,810,109
Total plan assets at beginning of year	2017-12-31	$3,118,631
Value of fidelity bond covering the plan	2017-12-31	$5,000,000
Total contributions received or receivable from participants	2017-12-31	$131,946
Contributions received from other sources (not participants or employers)	2017-12-31	$11,404
Other income received	2017-12-31	$619,331
Net income (gross income less expenses)	2017-12-31	$691,478
Net plan assets at end of year (total assets less liabilities)	2017-12-31	$3,810,109
Net plan assets at beginning of year (total assets less liabilities)	2017-12-31	$3,118,631
Assets. Value of participant loans	2017-12-31	$26,656
Assets. Value of employer securities	2017-12-31	$369,821
Total contributions received or receivable from employer(s)	2017-12-31	$58,256
Expenses. Administrative service providers (salaries,fees and commissions)	2017-12-31	$9,033
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
2016 : CITIZENS FIRST BANK 401(K) PLAN 2016 401k financial data
Total income from all sources	2016-12-31	$451,792
Expenses. Total of all expenses incurred	2016-12-31	$226,923
Benefits paid (including direct rollovers)	2016-12-31	$226,368
Total plan assets at end of year	2016-12-31	$3,118,631
Total plan assets at beginning of year	2016-12-31	$2,893,762
Value of fidelity bond covering the plan	2016-12-31	$5,000,000
Total contributions received or receivable from participants	2016-12-31	$129,327
Contributions received from other sources (not participants or employers)	2016-12-31	$8,668
Other income received	2016-12-31	$254,660
Net income (gross income less expenses)	2016-12-31	$224,869
Net plan assets at end of year (total assets less liabilities)	2016-12-31	$3,118,631
Net plan assets at beginning of year (total assets less liabilities)	2016-12-31	$2,893,762
Assets. Value of participant loans	2016-12-31	$37,316
Assets. Value of employer securities	2016-12-31	$296,181
Total contributions received or receivable from employer(s)	2016-12-31	$59,137
Expenses. Administrative service providers (salaries,fees and commissions)	2016-12-31	$555
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
2015 : CITIZENS FIRST BANK 401(K) PLAN 2015 401k financial data
Total income from all sources	2015-12-31	$212,976
Expenses. Total of all expenses incurred	2015-12-31	$14,095
Benefits paid (including direct rollovers)	2015-12-31	$11,794
Total plan assets at end of year	2015-12-31	$2,893,762
Total plan assets at beginning of year	2015-12-31	$2,694,881
Value of fidelity bond covering the plan	2015-12-31	$3,000,000
Total contributions received or receivable from participants	2015-12-31	$107,299
Contributions received from other sources (not participants or employers)	2015-12-31	$71,050
Other income received	2015-12-31	$-19,534
Net income (gross income less expenses)	2015-12-31	$198,881
Net plan assets at end of year (total assets less liabilities)	2015-12-31	$2,893,762
Net plan assets at beginning of year (total assets less liabilities)	2015-12-31	$2,694,881
Assets. Value of participant loans	2015-12-31	$49,617
Assets. Value of employer securities	2015-12-31	$267,883
Total contributions received or receivable from employer(s)	2015-12-31	$54,161
Value of corrective distributions	2015-12-31	$1,696
Expenses. Administrative service providers (salaries,fees and commissions)	2015-12-31	$605
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
2014 : CITIZENS FIRST BANK 401(K) PLAN 2014 401k financial data
Total income from all sources	2014-12-31	$293,422
Expenses. Total of all expenses incurred	2014-12-31	$160,002
Benefits paid (including direct rollovers)	2014-12-31	$159,532
Total plan assets at end of year	2014-12-31	$2,694,881
Total plan assets at beginning of year	2014-12-31	$2,561,461
Value of fidelity bond covering the plan	2014-12-31	$3,000,000
Total contributions received or receivable from participants	2014-12-31	$108,402
Contributions received from other sources (not participants or employers)	2014-12-31	$13,301
Other income received	2014-12-31	$119,759
Net income (gross income less expenses)	2014-12-31	$133,420
Net plan assets at end of year (total assets less liabilities)	2014-12-31	$2,694,881
Net plan assets at beginning of year (total assets less liabilities)	2014-12-31	$2,561,461
Assets. Value of participant loans	2014-12-31	$21,949
Assets. Value of employer securities	2014-12-31	$289,498
Total contributions received or receivable from employer(s)	2014-12-31	$51,960
Expenses. Administrative service providers (salaries,fees and commissions)	2014-12-31	$470
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
2013 : CITIZENS FIRST BANK 401(K) PLAN 2013 401k financial data
Total income from all sources	2013-12-31	$573,224
Expenses. Total of all expenses incurred	2013-12-31	$86,459
Benefits paid (including direct rollovers)	2013-12-31	$86,224
Total plan assets at end of year	2013-12-31	$2,561,461
Total plan assets at beginning of year	2013-12-31	$2,074,696
Value of fidelity bond covering the plan	2013-12-31	$1,800,000
Total contributions received or receivable from participants	2013-12-31	$99,923
Other income received	2013-12-31	$423,409
Net income (gross income less expenses)	2013-12-31	$486,765
Net plan assets at end of year (total assets less liabilities)	2013-12-31	$2,561,461
Net plan assets at beginning of year (total assets less liabilities)	2013-12-31	$2,074,696
Assets. Value of participant loans	2013-12-31	$19,106
Assets. Value of employer securities	2013-12-31	$317,388
Total contributions received or receivable from employer(s)	2013-12-31	$49,892
Expenses. Administrative service providers (salaries,fees and commissions)	2013-12-31	$235
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
2012 : CITIZENS FIRST BANK 401(K) PLAN 2012 401k financial data
Total income from all sources	2012-12-31	$454,883
Expenses. Total of all expenses incurred	2012-12-31	$27,190
Benefits paid (including direct rollovers)	2012-12-31	$27,005
Total plan assets at end of year	2012-12-31	$2,074,696
Total plan assets at beginning of year	2012-12-31	$1,647,003
Value of fidelity bond covering the plan	2012-12-31	$1,675,000
Total contributions received or receivable from participants	2012-12-31	$94,751
Contributions received from other sources (not participants or employers)	2012-12-31	$10,725
Other income received	2012-12-31	$302,619
Net income (gross income less expenses)	2012-12-31	$427,693
Net plan assets at end of year (total assets less liabilities)	2012-12-31	$2,074,696
Net plan assets at beginning of year (total assets less liabilities)	2012-12-31	$1,647,003
Assets. Value of participant loans	2012-12-31	$25,957
Assets. Value of employer securities	2012-12-31	$291,032
Total contributions received or receivable from employer(s)	2012-12-31	$46,788
Expenses. Administrative service providers (salaries,fees and commissions)	2012-12-31	$185
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
2011 : CITIZENS FIRST BANK 401(K) PLAN 2011 401k financial data
Total income from all sources	2011-12-31	$114,477
Expenses. Total of all expenses incurred	2011-12-31	$247,559
Benefits paid (including direct rollovers)	2011-12-31	$247,559
Total plan assets at end of year	2011-12-31	$1,647,003
Total plan assets at beginning of year	2011-12-31	$1,780,085
Value of fidelity bond covering the plan	2011-12-31	$1,675,000
Total contributions received or receivable from participants	2011-12-31	$83,618
Contributions received from other sources (not participants or employers)	2011-12-31	$6,222
Other income received	2011-12-31	$-19,300
Net income (gross income less expenses)	2011-12-31	$-133,082
Net plan assets at end of year (total assets less liabilities)	2011-12-31	$1,647,003
Net plan assets at beginning of year (total assets less liabilities)	2011-12-31	$1,780,085
Assets. Value of participant loans	2011-12-31	$30,840
Assets. Value of employer securities	2011-12-31	$133,744
Total contributions received or receivable from employer(s)	2011-12-31	$43,937
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
2010 : CITIZENS FIRST BANK 401(K) PLAN 2010 401k financial data
Total income from all sources	2010-12-31	$286,295
Expenses. Total of all expenses incurred	2010-12-31	$618,073
Benefits paid (including direct rollovers)	2010-12-31	$617,838
Total plan assets at end of year	2010-12-31	$1,780,085
Total plan assets at beginning of year	2010-12-31	$2,111,863
Value of fidelity bond covering the plan	2010-12-31	$1,675,000
Total contributions received or receivable from participants	2010-12-31	$82,961
Contributions received from other sources (not participants or employers)	2010-12-31	$28,781
Other income received	2010-12-31	$136,376
Net income (gross income less expenses)	2010-12-31	$-331,778
Net plan assets at end of year (total assets less liabilities)	2010-12-31	$1,780,085
Net plan assets at beginning of year (total assets less liabilities)	2010-12-31	$2,111,863
Assets. Value of participant loans	2010-12-31	$39,167
Assets. Value of employer securities	2010-12-31	$122,498
Total contributions received or receivable from employer(s)	2010-12-31	$38,177
Expenses. Administrative service providers (salaries,fees and commissions)	2010-12-31	$235
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$0
2009 : CITIZENS FIRST BANK 401(K) PLAN 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

Form 5500 Responses for CITIZENS FIRST BANK 401(K) PLAN

2022: CITIZENS FIRST BANK 401(K) PLAN 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	No
2022-01-01	This submission is the final filing	No
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-01-01	Plan is a collectively bargained plan	No
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: CITIZENS FIRST BANK 401(K) PLAN 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	No
2021-01-01	This submission is the final filing	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: CITIZENS FIRST BANK 401(K) PLAN 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	No
2020-01-01	This submission is the final filing	No
2020-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-01-01	Plan is a collectively bargained plan	No
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: CITIZENS FIRST BANK 401(K) PLAN 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	No
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: CITIZENS FIRST BANK 401(K) PLAN 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	No
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: CITIZENS FIRST BANK 401(K) PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: CITIZENS FIRST BANK 401(K) PLAN 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: CITIZENS FIRST BANK 401(K) PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: CITIZENS FIRST BANK 401(K) PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: CITIZENS FIRST BANK 401(K) PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: CITIZENS FIRST BANK 401(K) PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: CITIZENS FIRST BANK 401(K) PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2009: CITIZENS FIRST BANK 401(K) PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	CITIZENS FIRST BANK
Employer identification number (EIN):	421501088
NAIC Classification:	522110
NAIC Description:	Commercial Banking

Jurisdiction of Incorporation:	Iowa Secretary of State Business Entities
Incorporation Date:	2000-03-03
Company Identification Number:	234644