Call reports 2013
CITIZENS FIRST BANK — 2013
What CITIZENS FIRST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 151,817,000 | 152,369,000 | 149,022,000 | 149,582,000 |
| Total loans | 109,336,000 | 107,820,000 | 108,665,000 | 108,749,000 |
| Allowance for loan losses | 1,549,000 | 1,629,000 | 1,636,000 | 1,517,000 |
| Securities available for sale | 16,985,000 | 17,857,000 | 18,124,000 | 18,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,548,000 | 137,127,000 | 133,903,000 | 134,438,000 |
| Interest-bearing deposits | 113,961,000 | 115,024,000 | 112,084,000 | 111,464,000 |
| Noninterest-bearing deposits | 22,587,000 | 22,103,000 | 21,819,000 | 22,974,000 |
| Equity capital | 12,701,000 | 12,718,000 | 12,652,000 | 12,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,919,000 | 3,796,000 | 5,601,000 | 7,406,000 |
| Interest expense | 357,000 | 715,000 | 1,044,000 | 1,316,000 |
| Net interest income | 1,562,000 | 3,081,000 | 4,557,000 | 6,090,000 |
| Noninterest income | 388,000 | 936,000 | 1,357,000 | 1,823,000 |
| Noninterest expense | 1,463,000 | 2,824,000 | 4,419,000 | 5,879,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 450,000 |
| Pretax income | 337,000 | 896,000 | 1,048,000 | 1,587,000 |
| Income tax | 129,000 | 343,000 | 401,000 | 596,000 |
| Net income | 208,000 | 553,000 | 647,000 | 991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,346,000 | 12,489,000 | 12,485,000 | 13,183,000 |
| Total capital | 13,674,000 | 13,809,000 | 13,804,000 | 14,511,000 |
| Risk-weighted assets | 106,018,000 | 105,301,000 | 105,296,000 | 106,069,000 |