Call reports 2018
CITIZENS FIRST BANK — 2018
What CITIZENS FIRST BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 2,105,893,000 | 2,085,456,000 | 2,110,010,000 | 2,255,175,000 |
| Total loans | 620,275,000 | 628,266,000 | 682,602,000 | 758,593,000 |
| Allowance for loan losses | 6,845,000 | 6,858,000 | 7,280,000 | 8,097,000 |
| Securities available for sale | 984,488,000 | 930,167,000 | 970,222,000 | 1,072,474,000 |
| Securities held to maturity | 435,149,000 | 383,909,000 | 361,840,000 | 344,816,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,853,421,000 | 1,749,751,000 | 1,799,715,000 | 1,784,686,000 |
| Interest-bearing deposits | 1,398,472,000 | 1,365,856,000 | 1,411,363,000 | 1,431,864,000 |
| Noninterest-bearing deposits | 454,949,000 | 383,895,000 | 388,352,000 | 352,822,000 |
| Equity capital | 212,126,000 | 218,575,000 | 222,022,000 | 234,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 14,155,000 | 29,841,000 | 46,469,000 | 64,458,000 |
| Interest expense | 545,000 | 1,167,000 | 2,624,000 | 4,973,000 |
| Net interest income | 13,610,000 | 28,674,000 | 43,845,000 | 59,485,000 |
| Noninterest income | 4,317,000 | 8,738,000 | 12,899,000 | 16,659,000 |
| Noninterest expense | 8,211,000 | 16,971,000 | 25,796,000 | 35,059,000 |
| Provision for loan losses | 0 | 0 | 600,000 | 1,375,000 |
| Pretax income | 9,688,000 | 19,011,000 | 28,130,000 | 36,377,000 |
| Income tax | 1,807,000 | 3,523,000 | 5,276,000 | 6,445,000 |
| Net income | 7,881,000 | 15,488,000 | 22,854,000 | 29,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 217,441,000 | 225,048,000 | 232,414,000 | 239,341,000 |
| Total capital | 224,286,000 | 231,906,000 | 239,694,000 | 247,438,000 |
| Risk-weighted assets | 1,122,205,000 | 1,164,722,000 | 1,309,916,000 | 1,451,276,000 |