Call reports 2024
CITIZENS FIRST BANK — 2024
What CITIZENS FIRST BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 3,828,464,000 | 3,775,894,000 | 3,899,117,000 | 3,987,481,000 |
| Total loans | 1,293,951,000 | 1,279,595,000 | 1,259,430,000 | 1,297,601,000 |
| Allowance for loan losses | 20,995,000 | 21,382,000 | 21,235,000 | 23,148,000 |
| Securities available for sale | 2,231,534,000 | 2,274,753,000 | 2,439,251,000 | 2,442,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,310,669,000 | 3,269,418,000 | 3,315,951,000 | 3,348,905,000 |
| Interest-bearing deposits | 2,714,747,000 | 2,709,156,000 | 2,741,864,000 | 2,829,504,000 |
| Noninterest-bearing deposits | 595,922,000 | 560,262,000 | 574,087,000 | 519,401,000 |
| Equity capital | 373,099,000 | 378,300,000 | 435,577,000 | 406,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 37,840,000 | 78,161,000 | 119,127,000 | 161,932,000 |
| Interest expense | 15,739,000 | 31,831,000 | 48,499,000 | 64,916,000 |
| Net interest income | 22,101,000 | 46,330,000 | 70,628,000 | 97,016,000 |
| Noninterest income | 5,890,000 | 11,948,000 | 17,118,000 | 22,717,000 |
| Noninterest expense | 15,792,000 | 31,644,000 | 46,719,000 | 62,722,000 |
| Provision for loan losses | 450,000 | 825,000 | 665,000 | 2,565,000 |
| Pretax income | 8,905,000 | 22,453,000 | 36,171,000 | 52,155,000 |
| Income tax | 1,942,000 | 5,368,000 | 9,062,000 | 12,615,000 |
| Net income | 6,963,000 | 17,085,000 | 27,109,000 | 39,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 488,947,000 | 499,070,000 | 509,093,000 | 521,524,000 |
| Total capital | 513,142,000 | 523,952,000 | 534,663,000 | 547,107,000 |
| Risk-weighted assets | 2,652,019,000 | 2,657,667,000 | 2,663,757,000 | 2,699,764,000 |