Call reports 2015
CITIZENS FIRST BANK — 2015
What CITIZENS FIRST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,803,610,000 | 1,785,937,000 | 1,829,225,000 | 1,867,930,000 |
| Total loans | 276,125,000 | 300,967,000 | 294,558,000 | 309,945,000 |
| Allowance for loan losses | 9,925,000 | 9,784,000 | 8,182,000 | 7,452,000 |
| Securities available for sale | 370,449,000 | 481,358,000 | 582,597,000 | 713,362,000 |
| Securities held to maturity | 771,011,000 | 757,950,000 | 741,785,000 | 727,127,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,474,653,000 | 1,491,307,000 | 1,536,054,000 | 1,546,207,000 |
| Interest-bearing deposits | 1,155,440,000 | 1,192,979,000 | 1,219,568,000 | 1,236,648,000 |
| Noninterest-bearing deposits | 319,213,000 | 298,328,000 | 316,486,000 | 309,559,000 |
| Equity capital | 154,245,000 | 156,443,000 | 162,997,000 | 166,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,960,000 | 19,926,000 | 30,167,000 | 40,690,000 |
| Interest expense | 258,000 | 566,000 | 900,000 | 1,248,000 |
| Net interest income | 9,702,000 | 19,360,000 | 29,267,000 | 39,442,000 |
| Noninterest income | 747,000 | 2,024,000 | 4,180,000 | 5,328,000 |
| Noninterest expense | 5,006,000 | 10,046,000 | 15,100,000 | 20,465,000 |
| Provision for loan losses | 0 | 0 | -1,500,000 | -2,250,000 |
| Pretax income | 5,605,000 | 11,500,000 | 19,376,000 | 26,085,000 |
| Income tax | 1,516,000 | 3,113,000 | 5,488,000 | 7,024,000 |
| Net income | 4,089,000 | 8,387,000 | 13,888,000 | 19,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 148,638,000 | 152,936,000 | 158,437,000 | 163,609,000 |
| Total capital | 155,924,000 | 160,796,000 | 166,619,000 | 171,061,000 |
| Risk-weighted assets | 580,251,000 | 626,909,000 | 742,330,000 | 797,212,000 |