Call reports 2023
CITIZENS FIRST BANK — 2023
What CITIZENS FIRST BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 3,742,550,000 | 3,636,417,000 | 3,704,723,000 | 3,726,803,000 |
| Total loans | 1,229,005,000 | 1,206,468,000 | 1,226,052,000 | 1,236,432,000 |
| Allowance for loan losses | 20,378,000 | 20,611,000 | 20,622,000 | 20,533,000 |
| Securities available for sale | 2,267,304,000 | 2,202,677,000 | 2,154,709,000 | 2,230,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,302,173,000 | 3,171,145,000 | 3,208,969,000 | 3,138,326,000 |
| Interest-bearing deposits | 2,594,883,000 | 2,519,073,000 | 2,616,486,000 | 2,628,606,000 |
| Noninterest-bearing deposits | 707,290,000 | 652,072,000 | 592,482,000 | 509,720,000 |
| Equity capital | 327,929,000 | 320,523,000 | 291,356,000 | 376,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 32,561,000 | 66,500,000 | 102,209,000 | 140,394,000 |
| Interest expense | 5,990,000 | 14,757,000 | 28,330,000 | 43,958,000 |
| Net interest income | 26,571,000 | 51,743,000 | 73,879,000 | 96,436,000 |
| Noninterest income | 5,616,000 | 11,947,000 | 17,880,000 | 23,399,000 |
| Noninterest expense | 15,343,000 | 30,902,000 | 46,484,000 | 62,012,000 |
| Provision for loan losses | 675,000 | 900,000 | 900,000 | 800,000 |
| Pretax income | 17,370,000 | 32,541,000 | 45,028,000 | 53,159,000 |
| Income tax | 3,540,000 | 6,594,000 | 9,014,000 | 9,980,000 |
| Net income | 13,830,000 | 25,947,000 | 36,014,000 | 43,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 452,634,000 | 464,752,000 | 474,820,000 | 481,984,000 |
| Total capital | 475,012,000 | 487,813,000 | 497,892,000 | 505,717,000 |
| Risk-weighted assets | 2,652,191,000 | 2,635,822,000 | 2,649,161,000 | 2,613,992,000 |