Call reports 2016
CITIZENS FIRST BANK — 2016
What CITIZENS FIRST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 160,189,000 | 159,009,000 | 162,790,000 | 161,038,000 |
| Total loans | 117,220,000 | 115,377,000 | 115,516,000 | 115,223,000 |
| Allowance for loan losses | 1,251,000 | 1,164,000 | 1,163,000 | 1,155,000 |
| Securities available for sale | 18,014,000 | 20,214,000 | 20,253,000 | 22,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,336,000 | 139,875,000 | 143,094,000 | 142,634,000 |
| Interest-bearing deposits | 113,566,000 | 113,757,000 | 114,265,000 | 114,172,000 |
| Noninterest-bearing deposits | 27,770,000 | 26,118,000 | 28,829,000 | 28,462,000 |
| Equity capital | 14,168,000 | 14,426,000 | 14,690,000 | 13,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,845,000 | 3,670,000 | 5,543,000 | 7,378,000 |
| Interest expense | 219,000 | 426,000 | 636,000 | 851,000 |
| Net interest income | 1,626,000 | 3,244,000 | 4,907,000 | 6,527,000 |
| Noninterest income | 318,000 | 642,000 | 976,000 | 1,452,000 |
| Noninterest expense | 1,541,000 | 3,072,000 | 4,603,000 | 6,241,000 |
| Provision for loan losses | 90,000 | 120,000 | 135,000 | 285,000 |
| Pretax income | 313,000 | 694,000 | 1,145,000 | 1,453,000 |
| Income tax | 120,000 | 266,000 | 439,000 | 494,000 |
| Net income | 193,000 | 428,000 | 706,000 | 959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,030,000 | 14,266,000 | 14,543,000 | 13,971,000 |
| Total capital | 15,281,000 | 15,430,000 | 15,706,000 | 15,126,000 |
| Risk-weighted assets | 112,305,000 | 111,267,000 | 111,881,000 | 110,709,000 |