Call reports 2021
CITIZENS FIRST NATIONAL BANK — 2021
What CITIZENS FIRST NATIONAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 253,002,000 | 251,015,000 | 249,641,000 | 257,607,000 |
| Total loans | 120,049,000 | 119,755,000 | 122,174,000 | 131,755,000 |
| Allowance for loan losses | 1,612,000 | 1,612,000 | 1,628,000 | 1,616,000 |
| Securities available for sale | 123,554,000 | 117,718,000 | 117,911,000 | 115,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,653,000 | 218,971,000 | 216,768,000 | 225,874,000 |
| Interest-bearing deposits | 187,937,000 | 186,665,000 | 185,382,000 | 192,791,000 |
| Noninterest-bearing deposits | 30,716,000 | 32,306,000 | 31,386,000 | 33,083,000 |
| Equity capital | 26,039,000 | 24,088,000 | 24,843,000 | 24,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,691,000 | 3,350,000 | 5,054,000 | 6,784,000 |
| Interest expense | 200,000 | 375,000 | 535,000 | 595,000 |
| Net interest income | 1,491,000 | 2,975,000 | 4,519,000 | 6,189,000 |
| Noninterest income | 1,069,000 | 1,966,000 | 2,493,000 | 3,637,000 |
| Noninterest expense | 1,202,000 | 2,438,000 | 3,696,000 | 4,984,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,358,000 | 2,503,000 | 3,317,000 | 4,841,000 |
| Income tax | 68,000 | 125,000 | 166,000 | 230,000 |
| Net income | 1,290,000 | 2,378,000 | 3,151,000 | 4,611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,398,000 | 23,485,000 | 24,259,000 | 23,917,000 |
| Total capital | — | — | 25,887,000 | 25,533,000 |
| Risk-weighted assets | — | — | 143,509,000 | 151,566,000 |
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