Call reports 2017
CITIZENS FIRST BANK — 2017
What CITIZENS FIRST BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 2,020,358,000 | 2,043,251,000 | 2,044,249,000 | 2,080,563,000 |
| Total loans | 423,994,000 | 491,665,000 | 556,412,000 | 606,499,000 |
| Allowance for loan losses | 6,792,000 | 6,851,000 | 6,749,000 | 6,826,000 |
| Securities available for sale | 938,428,000 | 924,720,000 | 917,970,000 | 935,266,000 |
| Securities held to maturity | 582,428,000 | 537,023,000 | 496,375,000 | 465,577,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,719,211,000 | 1,779,916,000 | 1,790,006,000 | 1,752,816,000 |
| Interest-bearing deposits | 1,354,228,000 | 1,358,797,000 | 1,361,043,000 | 1,353,205,000 |
| Noninterest-bearing deposits | 364,983,000 | 421,119,000 | 428,963,000 | 399,611,000 |
| Equity capital | 189,719,000 | 199,848,000 | 206,950,000 | 212,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 12,573,000 | 25,637,000 | 38,681,000 | 52,086,000 |
| Interest expense | 447,000 | 903,000 | 1,360,000 | 1,884,000 |
| Net interest income | 12,126,000 | 24,734,000 | 37,321,000 | 50,202,000 |
| Noninterest income | 4,168,000 | 9,160,000 | 13,508,000 | 18,669,000 |
| Noninterest expense | 7,242,000 | 14,761,000 | 22,479,000 | 30,681,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 9,052,000 | 18,982,000 | 28,260,000 | 38,130,000 |
| Income tax | 2,506,000 | 5,290,000 | 7,803,000 | 10,703,000 |
| Net income | 6,546,000 | 13,692,000 | 20,457,000 | 27,427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 189,302,000 | 196,450,000 | 203,216,000 | 209,729,000 |
| Total capital | 196,094,000 | 203,301,000 | 209,965,000 | 216,555,000 |
| Risk-weighted assets | 947,525,000 | 1,013,955,000 | 1,075,735,000 | 1,102,755,000 |