Call reports 2018
CITIZENS FIRST BANK — 2018
What CITIZENS FIRST BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 171,460,000 | 165,263,000 | 165,754,000 | 161,617,000 |
| Total loans | 115,447,000 | 113,208,000 | 114,612,000 | 114,214,000 |
| Allowance for loan losses | 1,192,000 | 1,105,000 | 2,039,000 | 1,456,000 |
| Securities available for sale | 24,941,000 | 24,349,000 | 23,999,000 | 24,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,233,000 | 149,006,000 | 148,910,000 | 144,340,000 |
| Interest-bearing deposits | 118,655,000 | 116,775,000 | 116,103,000 | 113,938,000 |
| Noninterest-bearing deposits | 33,578,000 | 32,231,000 | 32,807,000 | 30,402,000 |
| Equity capital | 14,485,000 | 14,734,000 | 15,120,000 | 15,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,990,000 | 4,001,000 | 6,047,000 | 8,102,000 |
| Interest expense | 218,000 | 438,000 | 659,000 | 931,000 |
| Net interest income | 1,772,000 | 3,563,000 | 5,388,000 | 7,171,000 |
| Noninterest income | 412,000 | 832,000 | 1,255,000 | 1,723,000 |
| Noninterest expense | 1,603,000 | 3,345,000 | 4,907,000 | 6,818,000 |
| Provision for loan losses | 104,000 | 179,000 | 216,000 | -284,000 |
| Pretax income | 477,000 | 871,000 | 1,520,000 | 2,360,000 |
| Income tax | 125,000 | 228,000 | 397,000 | 554,000 |
| Net income | 352,000 | 643,000 | 1,123,000 | 1,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,826,000 | 15,117,000 | 15,597,000 | 16,280,000 |
| Total capital | 16,018,000 | 16,222,000 | 16,978,000 | 17,665,000 |
| Risk-weighted assets | 111,717,000 | 109,794,000 | 109,838,000 | 110,718,000 |