Call reports 2019
CITIZENS FIRST BANK — 2019
What CITIZENS FIRST BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,370,178,000 | 2,384,474,000 | 2,345,075,000 | 2,462,753,000 |
| Total loans | 778,131,000 | 797,073,000 | 779,514,000 | 751,737,000 |
| Allowance for loan losses | 8,394,000 | 9,153,000 | 9,434,000 | 9,940,000 |
| Securities available for sale | 1,308,740,000 | 1,381,322,000 | 1,353,696,000 | 1,441,609,000 |
| Securities held to maturity | 147,503,000 | 129,362,000 | 125,209,000 | 121,295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,860,312,000 | 1,877,843,000 | 1,923,927,000 | 1,976,838,000 |
| Interest-bearing deposits | 1,489,798,000 | 1,522,265,000 | 1,561,594,000 | 1,622,608,000 |
| Noninterest-bearing deposits | 370,514,000 | 355,578,000 | 362,333,000 | 354,230,000 |
| Equity capital | 258,709,000 | 284,642,000 | 303,254,000 | 312,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 19,308,000 | 39,570,000 | 59,719,000 | 78,667,000 |
| Interest expense | 3,179,000 | 6,420,000 | 9,643,000 | 12,525,000 |
| Net interest income | 16,129,000 | 33,150,000 | 50,076,000 | 66,142,000 |
| Noninterest income | 3,893,000 | 9,498,000 | 15,106,000 | 24,548,000 |
| Noninterest expense | 8,753,000 | 18,177,000 | 27,570,000 | 38,376,000 |
| Provision for loan losses | 200,000 | 950,000 | 1,250,000 | 1,850,000 |
| Pretax income | 12,559,000 | 26,056,000 | 41,380,000 | 57,599,000 |
| Income tax | 2,633,000 | 5,497,000 | 8,768,000 | 11,528,000 |
| Net income | 9,926,000 | 20,559,000 | 32,612,000 | 46,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 247,946,000 | 258,600,000 | 270,672,000 | 284,254,000 |
| Total capital | 256,340,000 | 267,753,000 | 280,106,000 | 294,194,000 |
| Risk-weighted assets | 1,609,500,000 | 1,570,094,000 | 1,575,943,000 | 1,592,924,000 |