Call reports 2016
CITIZENS FIRST NATIONAL BANK — 2016
What CITIZENS FIRST NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 224,544,000 | 221,888,000 | 217,409,000 | 211,433,000 |
| Total loans | 117,407,000 | 118,098,000 | 115,834,000 | 114,453,000 |
| Allowance for loan losses | 1,109,000 | 1,194,000 | 1,216,000 | 1,151,000 |
| Securities available for sale | 86,723,000 | 92,080,000 | 89,027,000 | 82,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,151,000 | 196,961,000 | 194,474,000 | 188,713,000 |
| Interest-bearing deposits | 175,246,000 | 177,484,000 | 172,158,000 | 160,973,000 |
| Noninterest-bearing deposits | 26,905,000 | 19,477,000 | 22,316,000 | 27,740,000 |
| Equity capital | 22,010,000 | 23,288,000 | 22,405,000 | 22,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,805,000 | 3,686,000 | 5,555,000 | 7,402,000 |
| Interest expense | 143,000 | 290,000 | 444,000 | 606,000 |
| Net interest income | 1,662,000 | 3,396,000 | 5,111,000 | 6,796,000 |
| Noninterest income | 292,000 | 757,000 | 1,140,000 | 2,014,000 |
| Noninterest expense | 1,150,000 | 2,064,000 | 3,162,000 | 4,167,000 |
| Provision for loan losses | 211,000 | 255,000 | 349,000 | 349,000 |
| Pretax income | 593,000 | 1,834,000 | 2,740,000 | 4,294,000 |
| Income tax | 30,000 | 92,000 | 137,000 | 187,000 |
| Net income | 563,000 | 1,742,000 | 2,603,000 | 4,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,703,000 | 22,880,000 | 22,141,000 | 22,997,000 |
| Total capital | 22,812,000 | 24,074,000 | 23,357,000 | 24,148,000 |
| Risk-weighted assets | 136,300,000 | 140,082,000 | 135,756,000 | 135,189,000 |