Call reports 2014
CITIZENS FIRST BANK — 2014
What CITIZENS FIRST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,645,079,000 | 1,632,843,000 | 1,647,968,000 | 1,644,098,000 |
| Total loans | 281,751,000 | 279,806,000 | 272,483,000 | 273,237,000 |
| Allowance for loan losses | 11,318,000 | 10,323,000 | 9,762,000 | 9,838,000 |
| Securities available for sale | 286,481,000 | 282,127,000 | 279,296,000 | 346,005,000 |
| Securities held to maturity | 806,719,000 | 805,976,000 | 796,053,000 | 784,648,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,409,209,000 | 1,393,486,000 | 1,388,881,000 | 1,410,839,000 |
| Interest-bearing deposits | 1,132,118,000 | 1,107,817,000 | 1,114,677,000 | 1,132,408,000 |
| Noninterest-bearing deposits | 277,091,000 | 285,668,000 | 274,204,000 | 278,431,000 |
| Equity capital | 139,072,000 | 143,220,000 | 146,572,000 | 150,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 11,345,000 | 21,733,000 | 32,116,000 | 42,302,000 |
| Interest expense | 397,000 | 790,000 | 1,102,000 | 1,420,000 |
| Net interest income | 10,948,000 | 20,943,000 | 31,014,000 | 40,882,000 |
| Noninterest income | 1,000,000 | 1,986,000 | 2,818,000 | 3,817,000 |
| Noninterest expense | 4,863,000 | 9,872,000 | 14,830,000 | 20,291,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 6,200,000 | 11,199,000 | 18,241,000 | 23,647,000 |
| Income tax | 1,751,000 | 3,126,000 | 5,292,000 | 6,246,000 |
| Net income | 4,449,000 | 8,073,000 | 12,949,000 | 17,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 132,742,000 | 135,220,000 | 140,096,000 | 144,548,000 |
| Total capital | 140,277,000 | 142,494,000 | 147,134,000 | 151,860,000 |
| Risk-weighted assets | 599,023,000 | 578,909,000 | 566,110,000 | 582,407,000 |