Call reports 2017
CITIZENS FIRST NATIONAL BANK — 2017
What CITIZENS FIRST NATIONAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 221,900,000 | 211,518,000 | 209,792,000 | 211,840,000 |
| Total loans | 113,295,000 | 119,609,000 | 118,291,000 | 124,937,000 |
| Allowance for loan losses | 1,152,000 | 1,168,000 | 1,173,000 | 1,290,000 |
| Securities available for sale | 82,192,000 | 79,520,000 | 85,875,000 | 78,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,037,000 | 187,088,000 | 183,836,000 | 186,475,000 |
| Interest-bearing deposits | 171,286,000 | 163,454,000 | 161,177,000 | 159,214,000 |
| Noninterest-bearing deposits | 26,751,000 | 23,634,000 | 22,659,000 | 27,261,000 |
| Equity capital | 23,499,000 | 23,922,000 | 24,819,000 | 22,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,764,000 | 3,613,000 | 5,477,000 | 7,394,000 |
| Interest expense | 156,000 | 319,000 | 488,000 | 657,000 |
| Net interest income | 1,608,000 | 3,294,000 | 4,989,000 | 6,737,000 |
| Noninterest income | 346,000 | 806,000 | 1,151,000 | 2,053,000 |
| Noninterest expense | 1,104,000 | 2,087,000 | 3,193,000 | 4,375,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 850,000 | 2,013,000 | 2,945,000 | 4,384,000 |
| Income tax | 47,000 | 110,000 | 160,000 | 228,000 |
| Net income | 803,000 | 1,903,000 | 2,785,000 | 4,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,801,000 | 24,000,000 | 24,880,000 | 23,351,000 |
| Total capital | 24,953,000 | 25,168,000 | 26,053,000 | 24,641,000 |
| Risk-weighted assets | 131,415,000 | 136,944,000 | 136,582,000 | 143,579,000 |