Call reports 2015
CITIZENS FIRST NATIONAL BANK — 2015
What CITIZENS FIRST NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 207,196,000 | 209,531,000 | 208,833,000 | 214,654,000 |
| Total loans | 103,915,000 | 110,292,000 | 112,456,000 | 115,236,000 |
| Allowance for loan losses | 980,000 | 980,000 | 1,001,000 | 1,031,000 |
| Securities available for sale | 94,365,000 | 88,971,000 | 84,101,000 | 84,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,138,000 | 187,512,000 | 186,732,000 | 192,735,000 |
| Interest-bearing deposits | 160,739,000 | 165,903,000 | 160,965,000 | 161,158,000 |
| Noninterest-bearing deposits | 24,399,000 | 21,609,000 | 25,767,000 | 31,577,000 |
| Equity capital | 21,630,000 | 21,520,000 | 21,513,000 | 21,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,649,000 | 3,411,000 | 5,205,000 | 7,015,000 |
| Interest expense | 158,000 | 317,000 | 470,000 | 620,000 |
| Net interest income | 1,491,000 | 3,094,000 | 4,735,000 | 6,395,000 |
| Noninterest income | 345,000 | 734,000 | 1,056,000 | 1,865,000 |
| Noninterest expense | 1,078,000 | 2,059,000 | 3,132,000 | 4,228,000 |
| Provision for loan losses | 17,000 | 17,000 | 42,000 | 77,000 |
| Pretax income | 744,000 | 1,755,000 | 2,620,000 | 3,958,000 |
| Income tax | 37,000 | 88,000 | 131,000 | 186,000 |
| Net income | 707,000 | 1,667,000 | 2,489,000 | 3,772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,157,000 | 21,326,000 | 21,189,000 | 21,505,000 |
| Total capital | 22,137,000 | 22,306,000 | 22,190,000 | 22,536,000 |
| Risk-weighted assets | 129,445,000 | 133,046,000 | 133,616,000 | 135,087,000 |