Call reports 2019
CITIZENS FIRST BANK — 2019
What CITIZENS FIRST BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Total assets | 180,453,000 | 180,935,000 | 181,222,000 |
| Total loans | 109,712,000 | 107,865,000 | 106,723,000 |
| Allowance for loan losses | 0 | 75,000 | 150,000 |
| Securities available for sale | 24,765,000 | 23,505,000 | 23,596,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 155,148,000 | 155,194,000 | 154,874,000 |
| Interest-bearing deposits | 119,561,000 | 118,859,000 | 117,427,000 |
| Noninterest-bearing deposits | 35,587,000 | 36,335,000 | 37,447,000 |
| Equity capital | 23,911,000 | 24,212,000 | 24,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Interest income | 2,055,000 | 4,201,000 | 6,381,000 |
| Interest expense | 314,000 | 646,000 | 992,000 |
| Net interest income | 1,741,000 | 3,555,000 | 5,389,000 |
| Noninterest income | 406,000 | 931,000 | 1,289,000 |
| Noninterest expense | 1,870,000 | 3,793,000 | 5,512,000 |
| Provision for loan losses | 0 | 75,000 | 150,000 |
| Pretax income | 277,000 | 618,000 | 1,016,000 |
| Income tax | 18,000 | 30,000 | 52,000 |
| Net income | 259,000 | 588,000 | 964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Tier 1 capital | 18,174,000 | 18,315,000 | 18,753,000 |
| Total capital | 18,174,000 | 18,390,000 | 18,903,000 |
| Risk-weighted assets | 113,780,000 | 111,050,000 | 107,432,000 |