Call reports 2022
CITIZENS FIRST NATIONAL BANK — 2022
What CITIZENS FIRST NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 273,224,000 | 270,504,000 | 254,342,000 | 258,145,000 |
| Total loans | 120,627,000 | 123,169,000 | 129,493,000 | 144,840,000 |
| Allowance for loan losses | 1,617,000 | 1,568,000 | 1,583,000 | 1,645,000 |
| Securities available for sale | 131,811,000 | 134,380,000 | 115,527,000 | 104,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,264,000 | 245,632,000 | 229,154,000 | 230,799,000 |
| Interest-bearing deposits | 206,294,000 | 207,000,000 | 188,438,000 | 183,711,000 |
| Noninterest-bearing deposits | 41,970,000 | 38,632,000 | 40,716,000 | 47,088,000 |
| Equity capital | 22,731,000 | 22,692,000 | 22,901,000 | 25,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,668,000 | 3,456,000 | 5,381,000 | 7,555,000 |
| Interest expense | 120,000 | 234,000 | 379,000 | 611,000 |
| Net interest income | 1,548,000 | 3,222,000 | 5,002,000 | 6,944,000 |
| Noninterest income | 514,000 | 1,101,000 | 1,599,000 | 2,666,000 |
| Noninterest expense | 1,227,000 | 2,457,000 | 3,751,000 | 5,037,000 |
| Provision for loan losses | 0 | 0 | 0 | 41,000 |
| Pretax income | 835,000 | 1,866,000 | 2,850,000 | 4,532,000 |
| Income tax | 42,000 | 93,000 | 142,000 | 214,000 |
| Net income | 793,000 | 1,773,000 | 2,708,000 | 4,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,710,000 | 25,690,000 | 26,625,000 | 28,235,000 |
| Total capital | 26,327,000 | 27,258,000 | 28,208,000 | 29,880,000 |
| Risk-weighted assets | 141,593,000 | 141,975,000 | 147,918,000 | 161,082,000 |