Call reports 2020
CITIZENS FIRST NATIONAL BANK — 2020
What CITIZENS FIRST NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 209,266,000 | 235,462,000 | 243,193,000 | 250,685,000 |
| Total loans | 125,664,000 | 125,941,000 | 121,724,000 | 117,681,000 |
| Allowance for loan losses | 1,574,000 | 1,572,000 | 1,592,000 | 1,593,000 |
| Securities available for sale | 58,570,000 | 73,927,000 | 104,937,000 | 105,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,772,000 | 200,222,000 | 207,784,000 | 217,524,000 |
| Interest-bearing deposits | 158,641,000 | 170,212,000 | 175,973,000 | 176,478,000 |
| Noninterest-bearing deposits | 26,131,000 | 30,010,000 | 31,811,000 | 41,046,000 |
| Equity capital | 23,944,000 | 26,768,000 | 26,813,000 | 24,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,116,000 | 4,078,000 | 5,897,000 | 7,693,000 |
| Interest expense | 268,000 | 515,000 | 782,000 | 1,020,000 |
| Net interest income | 1,848,000 | 3,563,000 | 5,115,000 | 6,673,000 |
| Noninterest income | 429,000 | 1,133,000 | 2,112,000 | 3,208,000 |
| Noninterest expense | 1,111,000 | 2,299,000 | 3,675,000 | 5,052,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 1,166,000 | 2,397,000 | 3,502,000 | 4,779,000 |
| Income tax | 58,000 | 120,000 | 175,000 | 230,000 |
| Net income | 1,108,000 | 2,277,000 | 3,327,000 | 4,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,667,000 | 25,836,000 | 25,887,000 | 24,108,000 |
| Total capital | 26,241,000 | 27,408,000 | 27,479,000 | 25,701,000 |
| Risk-weighted assets | 139,783,000 | 133,512,000 | 135,281,000 | 134,395,000 |