Call reports 2017
CITIZENS FIRST BANK — 2017
What CITIZENS FIRST BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 166,897,000 | 168,724,000 | 169,534,000 | 168,487,000 |
| Total loans | 115,491,000 | 116,263,000 | 116,209,000 | 114,914,000 |
| Allowance for loan losses | 1,185,000 | 1,212,000 | 1,193,000 | 1,082,000 |
| Securities available for sale | 23,871,000 | 23,579,000 | 25,613,000 | 25,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,760,000 | 149,246,000 | 149,496,000 | 149,491,000 |
| Interest-bearing deposits | 115,865,000 | 117,835,000 | 116,838,000 | 116,994,000 |
| Noninterest-bearing deposits | 31,895,000 | 31,411,000 | 32,658,000 | 32,497,000 |
| Equity capital | 14,268,000 | 14,663,000 | 15,079,000 | 14,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,877,000 | 3,798,000 | 5,769,000 | 7,749,000 |
| Interest expense | 213,000 | 433,000 | 653,000 | 872,000 |
| Net interest income | 1,664,000 | 3,365,000 | 5,116,000 | 6,877,000 |
| Noninterest income | 420,000 | 873,000 | 1,309,000 | 1,732,000 |
| Noninterest expense | 1,462,000 | 3,110,000 | 4,502,000 | 6,130,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 577,000 | 1,038,000 | 1,788,000 | 2,299,000 |
| Income tax | 221,000 | 397,000 | 684,000 | 969,000 |
| Net income | 356,000 | 641,000 | 1,104,000 | 1,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,326,000 | 14,611,000 | 15,074,000 | 14,474,000 |
| Total capital | 15,511,000 | 15,823,000 | 16,267,000 | 15,556,000 |
| Risk-weighted assets | 112,448,000 | 113,010,000 | 114,246,000 | 112,960,000 |