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| Citizens First Bancorp, Inc. operates as the holding company for Citizens First Savings Bank and Metrobank, which provide commercial banking services primarily in Michigan. The company accepts savings, checking, NOW, and money market accounts; individual retirement accounts; and certificates of deposit. It also offers one- to four-family residential mortgage loans, commercial and multifamily real estate loans, residential construction loans, home equity and lines of credit, commercial loans, and consumer loans. In addition, Citizens First Bancorp provides fiduciary services, insurance services, and trust and investment services to individuals, partnerships, businesses, corporations, and institutions. It invests in U.S. Treasury securities, obligations of U.S. government corporations and agencies, obligations of state and political subdivisions, corporate debt securities, and mortgage-backed securities. As of December 31, 2004, the company operated 20 banking offices located in Port Huron, St. Clair, Sanilac, Huron, Lapeer, and northern Macomb counties, Michigan. Citizens First Bancorp was founded in 1938 and is headquartered in Port Huron, Michigan. |
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