Call reports 2019
CITIZENS FIRST NATIONAL BANK — 2019
What CITIZENS FIRST NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 213,680,000 | 204,056,000 | 201,093,000 | 209,171,000 |
| Total loans | 125,295,000 | 121,250,000 | 124,243,000 | 126,311,000 |
| Allowance for loan losses | 1,364,000 | 1,573,000 | 1,584,000 | 1,573,000 |
| Securities available for sale | 77,314,000 | 66,383,000 | 67,008,000 | 64,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,680,000 | 179,862,000 | 176,452,000 | 184,655,000 |
| Interest-bearing deposits | 165,558,000 | 156,403,000 | 152,882,000 | 154,248,000 |
| Noninterest-bearing deposits | 23,122,000 | 23,459,000 | 23,570,000 | 30,407,000 |
| Equity capital | 24,477,000 | 23,582,000 | 23,884,000 | 24,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,158,000 | 4,309,000 | 6,483,000 | 8,621,000 |
| Interest expense | 262,000 | 529,000 | 802,000 | 1,067,000 |
| Net interest income | 1,896,000 | 3,780,000 | 5,681,000 | 7,554,000 |
| Noninterest income | 358,000 | 812,000 | 1,230,000 | 2,167,000 |
| Noninterest expense | 1,151,000 | 2,256,000 | 3,446,000 | 4,638,000 |
| Provision for loan losses | 0 | 210,000 | 210,000 | 210,000 |
| Pretax income | 1,103,000 | 2,111,000 | 3,240,000 | 4,858,000 |
| Income tax | 55,000 | 105,000 | 162,000 | 234,000 |
| Net income | 1,048,000 | 2,006,000 | 3,078,000 | 4,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,563,000 | 23,242,000 | 23,514,000 | 23,559,000 |
| Total capital | 25,927,000 | 24,815,000 | 25,098,000 | 25,132,000 |
| Risk-weighted assets | 141,423,000 | 136,645,000 | 138,942,000 | 140,947,000 |