Call reports 2015
CITIZENS FIRST BANK — 2015
What CITIZENS FIRST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 152,549,000 | 152,182,000 | 157,234,000 | 157,609,000 |
| Total loans | 111,766,000 | 113,659,000 | 117,475,000 | 119,266,000 |
| Allowance for loan losses | 1,282,000 | 1,371,000 | 1,170,000 | 1,223,000 |
| Securities available for sale | 17,654,000 | 17,444,000 | 17,442,000 | 18,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,149,000 | 133,598,000 | 138,360,000 | 138,962,000 |
| Interest-bearing deposits | 111,217,000 | 109,955,000 | 113,702,000 | 113,027,000 |
| Noninterest-bearing deposits | 24,932,000 | 23,643,000 | 24,658,000 | 25,935,000 |
| Equity capital | 14,430,000 | 13,577,000 | 13,889,000 | 14,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,793,000 | 3,628,000 | 5,496,000 | 7,368,000 |
| Interest expense | 188,000 | 382,000 | 581,000 | 782,000 |
| Net interest income | 1,605,000 | 3,246,000 | 4,915,000 | 6,586,000 |
| Noninterest income | 401,000 | 768,000 | 1,220,000 | 1,626,000 |
| Noninterest expense | 1,562,000 | 3,028,000 | 4,689,000 | 6,390,000 |
| Provision for loan losses | 0 | 90,000 | 180,000 | 270,000 |
| Pretax income | 445,000 | 897,000 | 1,267,000 | 1,553,000 |
| Income tax | 170,000 | 343,000 | 485,000 | 524,000 |
| Net income | 275,000 | 554,000 | 782,000 | 1,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,711,000 | 12,899,000 | 13,790,000 | 14,037,000 |
| Total capital | 14,993,000 | 14,270,000 | 14,960,000 | 15,260,000 |
| Risk-weighted assets | 111,160,000 | 112,406,000 | 115,222,000 | 116,361,000 |