Call reports 2021
CITIZENS FIRST BANK — 2021
What CITIZENS FIRST BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 3,333,860,000 | 3,612,714,000 | 3,630,770,000 | 3,978,260,000 |
| Total loans | 927,453,000 | 1,059,716,000 | 1,025,533,000 | 1,085,570,000 |
| Allowance for loan losses | 15,999,000 | 17,064,000 | 18,271,000 | 19,349,000 |
| Securities available for sale | 2,206,522,000 | 2,429,133,000 | 2,507,129,000 | 2,642,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,797,463,000 | 2,981,411,000 | 3,059,026,000 | 3,244,759,000 |
| Interest-bearing deposits | 2,253,745,000 | 2,363,476,000 | 2,426,101,000 | 2,572,367,000 |
| Noninterest-bearing deposits | 543,718,000 | 617,935,000 | 632,925,000 | 672,392,000 |
| Equity capital | 380,808,000 | 408,634,000 | 410,621,000 | 415,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 19,210,000 | 37,289,000 | 57,136,000 | 76,863,000 |
| Interest expense | 1,453,000 | 2,857,000 | 4,079,000 | 5,214,000 |
| Net interest income | 17,757,000 | 34,432,000 | 53,057,000 | 71,649,000 |
| Noninterest income | 13,207,000 | 23,349,000 | 33,418,000 | 43,087,000 |
| Noninterest expense | 12,932,000 | 26,777,000 | 39,923,000 | 53,680,000 |
| Provision for loan losses | 1,400,000 | 2,450,000 | 3,500,000 | 4,550,000 |
| Pretax income | 21,023,000 | 34,580,000 | 52,642,000 | 66,674,000 |
| Income tax | 4,519,000 | 7,200,000 | 10,941,000 | 13,308,000 |
| Net income | 16,504,000 | 27,380,000 | 41,701,000 | 53,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 351,799,000 | 362,688,000 | 377,021,000 | 388,696,000 |
| Total capital | 367,798,000 | 379,753,000 | 395,292,000 | 408,045,000 |
| Risk-weighted assets | 2,048,019,000 | 2,307,106,000 | 2,366,121,000 | 2,511,855,000 |