Call reports 2014
CITIZENS FIRST BANK — 2014
What CITIZENS FIRST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 151,490,000 | 149,121,000 | 146,196,000 | 147,776,000 |
| Total loans | 108,343,000 | 109,260,000 | 106,650,000 | 109,036,000 |
| Allowance for loan losses | 1,567,000 | 1,543,000 | 1,290,000 | 1,275,000 |
| Securities available for sale | 19,732,000 | 18,598,000 | 18,307,000 | 17,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,937,000 | 133,245,000 | 129,861,000 | 131,393,000 |
| Interest-bearing deposits | 110,591,000 | 108,734,000 | 106,893,000 | 107,379,000 |
| Noninterest-bearing deposits | 25,346,000 | 24,511,000 | 22,968,000 | 24,014,000 |
| Equity capital | 12,999,000 | 13,341,000 | 13,567,000 | 14,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,751,000 | 3,523,000 | 5,284,000 | 7,089,000 |
| Interest expense | 218,000 | 424,000 | 621,000 | 813,000 |
| Net interest income | 1,533,000 | 3,099,000 | 4,663,000 | 6,276,000 |
| Noninterest income | 378,000 | 751,000 | 1,213,000 | 1,680,000 |
| Noninterest expense | 1,526,000 | 3,035,000 | 4,676,000 | 6,174,000 |
| Provision for loan losses | 75,000 | 150,000 | 200,000 | 200,000 |
| Pretax income | 310,000 | 707,000 | 1,042,000 | 1,624,000 |
| Income tax | 119,000 | 271,000 | 399,000 | 466,000 |
| Net income | 191,000 | 436,000 | 643,000 | 1,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,124,000 | 13,369,000 | 13,577,000 | 14,092,000 |
| Total capital | 14,450,000 | 14,695,000 | 14,867,000 | 15,367,000 |
| Risk-weighted assets | 106,068,000 | 105,861,000 | 103,742,000 | 104,108,000 |