Call reports 2013
CITIZENS FIRST BANK — 2013
What CITIZENS FIRST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,575,995,000 | 1,560,745,000 | 1,591,039,000 | 1,579,098,000 |
| Total loans | 301,008,000 | 297,274,000 | 284,416,000 | 283,636,000 |
| Allowance for loan losses | 12,473,000 | 12,554,000 | 12,496,000 | 11,301,000 |
| Securities available for sale | 612,361,000 | 647,348,000 | 545,282,000 | 382,299,000 |
| Securities held to maturity | 500,373,000 | 495,317,000 | 492,665,000 | 722,873,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,336,027,000 | 1,364,398,000 | 1,367,475,000 | 1,375,115,000 |
| Interest-bearing deposits | 1,061,101,000 | 1,085,637,000 | 1,082,506,000 | 1,088,309,000 |
| Noninterest-bearing deposits | 274,925,000 | 278,760,000 | 284,969,000 | 286,806,000 |
| Equity capital | 133,269,000 | 123,371,000 | 125,728,000 | 131,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 11,673,000 | 22,873,000 | 34,005,000 | 48,423,000 |
| Interest expense | 437,000 | 877,000 | 1,303,000 | 1,711,000 |
| Net interest income | 11,236,000 | 21,996,000 | 32,702,000 | 46,712,000 |
| Noninterest income | 819,000 | 1,506,000 | 2,618,000 | 3,697,000 |
| Noninterest expense | 4,933,000 | 9,695,000 | 14,606,000 | 19,583,000 |
| Provision for loan losses | 400,000 | 400,000 | 400,000 | -600,000 |
| Pretax income | 6,566,000 | 13,968,000 | 15,811,000 | 21,468,000 |
| Income tax | 1,809,000 | 3,842,000 | 3,728,000 | 5,048,000 |
| Net income | 4,757,000 | 10,126,000 | 12,083,000 | 16,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,892,000 | 122,654,000 | 124,608,000 | 128,806,000 |
| Total capital | 127,278,000 | 131,279,000 | 133,093,000 | 137,098,000 |
| Risk-weighted assets | 666,822,000 | 686,065,000 | 674,811,000 | 660,365,000 |