Call reports 2013
CITIZENS FIRST NATIONAL BANK — 2013
What CITIZENS FIRST NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 221,328,000 | 214,000,000 | 210,972,000 | 207,026,000 |
| Total loans | 93,375,000 | 96,441,000 | 100,194,000 | 103,855,000 |
| Allowance for loan losses | 914,000 | 916,000 | 925,000 | 926,000 |
| Securities available for sale | 119,088,000 | 107,356,000 | 101,398,000 | 93,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,462,000 | 191,679,000 | 189,148,000 | 184,624,000 |
| Interest-bearing deposits | 176,229,000 | 169,405,000 | 163,848,000 | 157,643,000 |
| Noninterest-bearing deposits | 22,233,000 | 22,274,000 | 25,300,000 | 26,981,000 |
| Equity capital | 22,335,000 | 21,776,000 | 21,225,000 | 22,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,639,000 | 3,297,000 | 4,964,000 | 6,661,000 |
| Interest expense | 196,000 | 388,000 | 577,000 | 760,000 |
| Net interest income | 1,443,000 | 2,909,000 | 4,387,000 | 5,901,000 |
| Noninterest income | 317,000 | 699,000 | 1,019,000 | 1,903,000 |
| Noninterest expense | 1,074,000 | 2,146,000 | 3,234,000 | 4,262,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 1,000 |
| Pretax income | 685,000 | 1,476,000 | 2,192,000 | 3,547,000 |
| Income tax | 33,000 | 73,000 | 110,000 | 168,000 |
| Net income | 652,000 | 1,403,000 | 2,082,000 | 3,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,873,000 | 20,906,000 | 20,806,000 | 21,296,000 |
| Total capital | 21,787,000 | 21,822,000 | 21,731,000 | 22,222,000 |
| Risk-weighted assets | 119,256,000 | 119,723,000 | 123,342,000 | 125,251,000 |
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