Call reports 2022
CITIZENS FIRST BANK — 2022
What CITIZENS FIRST BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 4,013,670,000 | 4,013,943,000 | 3,825,954,000 | 3,828,547,000 |
| Total loans | 1,119,268,000 | 1,197,582,000 | 1,175,014,000 | 1,222,148,000 |
| Allowance for loan losses | 20,308,000 | 21,002,000 | 21,687,000 | 21,693,000 |
| Securities available for sale | 2,610,667,000 | 2,635,398,000 | 2,454,607,000 | 2,403,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,313,476,000 | 3,378,389,000 | 3,338,545,000 | 3,244,979,000 |
| Interest-bearing deposits | 2,634,310,000 | 2,686,269,000 | 2,660,550,000 | 2,627,346,000 |
| Noninterest-bearing deposits | 679,166,000 | 692,121,000 | 677,995,000 | 617,632,000 |
| Equity capital | 328,398,000 | 277,742,000 | 232,649,000 | 283,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 19,488,000 | 41,670,000 | 67,927,000 | 98,561,000 |
| Interest expense | 1,059,000 | 2,186,000 | 4,336,000 | 8,389,000 |
| Net interest income | 18,429,000 | 39,484,000 | 63,591,000 | 90,172,000 |
| Noninterest income | 9,524,000 | 16,679,000 | 22,145,000 | 27,120,000 |
| Noninterest expense | 13,943,000 | 28,040,000 | 41,774,000 | 56,023,000 |
| Provision for loan losses | 950,000 | 1,625,000 | 2,300,000 | 2,300,000 |
| Pretax income | 14,323,000 | 27,875,000 | 42,606,000 | 59,913,000 |
| Income tax | 2,749,000 | 4,541,000 | 7,104,000 | 9,850,000 |
| Net income | 11,574,000 | 23,334,000 | 35,502,000 | 50,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 400,280,000 | 412,076,000 | 424,243,000 | 438,805,000 |
| Total capital | 420,588,000 | 433,078,000 | 445,930,000 | 460,498,000 |
| Risk-weighted assets | 2,661,323,000 | 2,802,060,000 | 2,732,357,000 | 2,684,178,000 |