Call reports 2018
CITIZENS FIRST NATIONAL BANK — 2018
What CITIZENS FIRST NATIONAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 213,656,000 | 202,571,000 | 199,375,000 | 217,198,000 |
| Total loans | 125,621,000 | 121,117,000 | 128,598,000 | 129,038,000 |
| Allowance for loan losses | 1,272,000 | 1,258,000 | 1,311,000 | 1,369,000 |
| Securities available for sale | 78,023,000 | 72,237,000 | 65,136,000 | 64,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,879,000 | 179,523,000 | 173,528,000 | 193,779,000 |
| Interest-bearing deposits | 167,021,000 | 152,427,000 | 149,436,000 | 164,573,000 |
| Noninterest-bearing deposits | 24,858,000 | 27,096,000 | 24,092,000 | 29,206,000 |
| Equity capital | 21,413,000 | 22,601,000 | 23,485,000 | 23,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,972,000 | 3,970,000 | 5,926,000 | 8,003,000 |
| Interest expense | 179,000 | 372,000 | 571,000 | 806,000 |
| Net interest income | 1,793,000 | 3,598,000 | 5,355,000 | 7,197,000 |
| Noninterest income | 377,000 | 844,000 | 1,278,000 | 2,137,000 |
| Noninterest expense | 1,048,000 | 2,112,000 | 3,200,000 | 4,392,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 100,000 |
| Pretax income | 1,122,000 | 2,330,000 | 3,358,000 | 4,674,000 |
| Income tax | 56,000 | 116,000 | 168,000 | 224,000 |
| Net income | 1,066,000 | 2,214,000 | 3,190,000 | 4,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,262,000 | 23,365,000 | 24,341,000 | 23,515,000 |
| Total capital | 23,534,000 | 24,623,000 | 25,652,000 | 24,884,000 |
| Risk-weighted assets | 144,714,000 | 140,583,000 | 145,406,000 | 146,088,000 |