Call reports 2014
CITIZENS FIRST NATIONAL BANK — 2014
What CITIZENS FIRST NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 216,964,000 | 209,618,000 | 202,916,000 | 209,483,000 |
| Total loans | 99,307,000 | 99,468,000 | 99,383,000 | 103,308,000 |
| Allowance for loan losses | 942,000 | 952,000 | 951,000 | 973,000 |
| Securities available for sale | 101,392,000 | 99,786,000 | 96,452,000 | 90,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,923,000 | 187,415,000 | 181,487,000 | 187,850,000 |
| Interest-bearing deposits | 167,646,000 | 164,653,000 | 158,397,000 | 158,410,000 |
| Noninterest-bearing deposits | 27,277,000 | 22,762,000 | 23,090,000 | 29,440,000 |
| Equity capital | 21,611,000 | 21,690,000 | 20,836,000 | 21,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,633,000 | 3,281,000 | 4,926,000 | 6,592,000 |
| Interest expense | 173,000 | 343,000 | 511,000 | 675,000 |
| Net interest income | 1,460,000 | 2,938,000 | 4,415,000 | 5,917,000 |
| Noninterest income | 246,000 | 582,000 | 876,000 | 1,627,000 |
| Noninterest expense | 1,113,000 | 2,102,000 | 3,089,000 | 4,270,000 |
| Provision for loan losses | 1,000 | 11,000 | 11,000 | 33,000 |
| Pretax income | 592,000 | 1,407,000 | 2,194,000 | 3,244,000 |
| Income tax | 29,000 | 70,000 | 110,000 | 153,000 |
| Net income | 563,000 | 1,337,000 | 2,084,000 | 3,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,973,000 | 21,102,000 | 20,328,000 | 20,949,000 |
| Total capital | 21,915,000 | 22,054,000 | 21,279,000 | 21,922,000 |
| Risk-weighted assets | 120,691,000 | 120,183,000 | 120,108,000 | 124,897,000 |
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