# OCC FA action 2012-268
> **Citizens Financial Bank** · Institution · 2012-12-18
## Action
- **Document number:** 2012-268
- **Docket number:** —
- **Type:** FA — Formal Agreement
- **Respondent type:** Institution
- **Action date:** 2012-12-18
- **Termination date:** 2013-11-12
## Respondent
- **Bank:** Citizens Financial Bank
- **Charter number:** 703344
- **Location:** Munster, INDIANA
## Subjects

Allowance for Losses (ALLL / ACL)|Appraisals|Asset Quality|Concentration Risk Management|Lending Issues|Other Lending Deficiencies|Problem Loan Identification

## Source
- [OCC enforcement order PDF](https://apps.occ.gov/EASearch/Document/Download?id=2012-268)
- [OCC EASearch portal](https://apps.occ.gov/EASearch/)
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