Call reports 2025
CITIZENS FIRST BANK — 2025
What CITIZENS FIRST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Total assets | 4,083,501,000 | 4,093,971,000 | 4,064,821,000 |
| Total loans | 1,320,178,000 | 1,349,032,000 | 1,272,998,000 |
| Allowance for loan losses | 23,157,000 | 23,276,000 | 23,248,000 |
| Securities available for sale | 2,462,915,000 | 2,515,045,000 | 2,534,696,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 3,472,637,000 | 3,454,398,000 | 3,418,224,000 |
| Interest-bearing deposits | 2,916,112,000 | 2,884,310,000 | 2,861,359,000 |
| Noninterest-bearing deposits | 556,525,000 | 570,088,000 | 556,865,000 |
| Equity capital | 439,277,000 | 463,649,000 | 501,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Interest income | 41,486,000 | 84,822,000 | 129,134,000 |
| Interest expense | 15,359,000 | 30,901,000 | 45,302,000 |
| Net interest income | 26,127,000 | 53,921,000 | 83,832,000 |
| Noninterest income | 5,763,000 | 11,710,000 | 18,815,000 |
| Noninterest expense | 16,713,000 | 34,792,000 | 51,247,000 |
| Provision for loan losses | 0 | 150,000 | 150,000 |
| Pretax income | 15,236,000 | 30,748,000 | 51,309,000 |
| Income tax | 3,776,000 | 7,612,000 | 12,661,000 |
| Net income | 11,460,000 | 23,136,000 | 38,648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Tier 1 capital | 532,984,000 | 544,660,000 | 560,172,000 |
| Total capital | 558,576,000 | 570,371,000 | 585,855,000 |
| Risk-weighted assets | 2,721,915,000 | 2,739,664,000 | 2,644,956,000 |