Call reports 2020
CITIZENS FIRST BANK — 2020
What CITIZENS FIRST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 2,533,774,000 | 2,749,067,000 | 2,986,551,000 | 3,110,409,000 |
| Total loans | 774,041,000 | 888,272,000 | 893,474,000 | 861,377,000 |
| Allowance for loan losses | 10,510,000 | 11,815,000 | 13,323,000 | 14,583,000 |
| Securities available for sale | 1,602,481,000 | 1,693,774,000 | 1,890,923,000 | 2,160,507,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,072,518,000 | 2,292,018,000 | 2,471,026,000 | 2,545,272,000 |
| Interest-bearing deposits | 1,702,791,000 | 1,834,458,000 | 2,006,557,000 | 2,085,499,000 |
| Noninterest-bearing deposits | 369,727,000 | 457,560,000 | 464,469,000 | 459,773,000 |
| Equity capital | 321,367,000 | 362,764,000 | 380,566,000 | 400,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 18,911,000 | 36,696,000 | 54,444,000 | 72,810,000 |
| Interest expense | 3,016,000 | 5,251,000 | 7,380,000 | 9,241,000 |
| Net interest income | 15,895,000 | 31,445,000 | 47,064,000 | 63,569,000 |
| Noninterest income | 6,160,000 | 16,466,000 | 30,678,000 | 43,048,000 |
| Noninterest expense | 10,273,000 | 21,186,000 | 32,940,000 | 46,533,000 |
| Provision for loan losses | 350,000 | 1,850,000 | 3,350,000 | 4,600,000 |
| Pretax income | 14,772,000 | 30,603,000 | 50,974,000 | 66,039,000 |
| Income tax | 2,946,000 | 5,941,000 | 10,380,000 | 13,149,000 |
| Net income | 11,826,000 | 24,662,000 | 40,594,000 | 52,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 295,955,000 | 308,928,000 | 323,740,000 | 335,282,000 |
| Total capital | 306,465,000 | 320,743,000 | 337,063,000 | 349,865,000 |
| Risk-weighted assets | 1,624,464,000 | 1,718,349,000 | 1,863,193,000 | 1,893,215,000 |