Call reports 2016
CITIZENS FIRST BANK — 2016
What CITIZENS FIRST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,976,385,000 | 1,968,771,000 | 1,994,701,000 | 1,956,455,000 |
| Total loans | 321,319,000 | 351,257,000 | 369,835,000 | 392,280,000 |
| Allowance for loan losses | 7,530,000 | 7,537,000 | 6,586,000 | 6,741,000 |
| Securities available for sale | 805,663,000 | 813,096,000 | 903,779,000 | 839,404,000 |
| Securities held to maturity | 712,619,000 | 699,183,000 | 645,940,000 | 621,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,576,980,000 | 1,608,064,000 | 1,638,715,000 | 1,648,067,000 |
| Interest-bearing deposits | 1,267,932,000 | 1,264,705,000 | 1,302,618,000 | 1,316,686,000 |
| Noninterest-bearing deposits | 309,048,000 | 343,359,000 | 336,097,000 | 331,381,000 |
| Equity capital | 172,112,000 | 177,172,000 | 180,640,000 | 180,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 10,846,000 | 22,183,000 | 33,814,000 | 45,569,000 |
| Interest expense | 363,000 | 745,000 | 1,169,000 | 1,646,000 |
| Net interest income | 10,483,000 | 21,438,000 | 32,645,000 | 43,923,000 |
| Noninterest income | 1,045,000 | 1,986,000 | 4,142,000 | 8,917,000 |
| Noninterest expense | 5,100,000 | 10,348,000 | 16,708,000 | 24,021,000 |
| Provision for loan losses | 0 | 0 | -1,000,000 | -1,000,000 |
| Pretax income | 6,419,000 | 13,549,000 | 21,552,000 | 30,281,000 |
| Income tax | 1,718,000 | 3,636,000 | 6,001,000 | 8,334,000 |
| Net income | 4,701,000 | 9,913,000 | 15,551,000 | 21,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 168,311,000 | 172,022,000 | 176,361,000 | 182,758,000 |
| Total capital | 175,841,000 | 179,559,000 | 182,947,000 | 189,499,000 |
| Risk-weighted assets | 821,046,000 | 838,889,000 | 857,377,000 | 847,567,000 |