Call reports 2023
CITIZENS FIRST NATIONAL BANK — 2023
What CITIZENS FIRST NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 265,759,000 | 250,144,000 | 241,499,000 | 250,704,000 |
| Total loans | 154,589,000 | 147,369,000 | 152,222,000 | 150,585,000 |
| Allowance for loan losses | 2,601,000 | 2,517,000 | 2,588,000 | 2,549,000 |
| Securities available for sale | 90,423,000 | 72,673,000 | 76,258,000 | 78,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,224,000 | 217,961,000 | 210,338,000 | 217,478,000 |
| Interest-bearing deposits | 185,910,000 | 182,570,000 | 170,327,000 | 176,879,000 |
| Noninterest-bearing deposits | 49,314,000 | 35,391,000 | 40,011,000 | 40,599,000 |
| Equity capital | 26,106,000 | 27,499,000 | 26,095,000 | 28,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,452,000 | 5,020,000 | 7,925,000 | 10,318,000 |
| Interest expense | 330,000 | 807,000 | 1,414,000 | 2,171,000 |
| Net interest income | 2,122,000 | 4,213,000 | 6,511,000 | 8,147,000 |
| Noninterest income | 499,000 | 1,146,000 | 1,628,000 | 2,690,000 |
| Noninterest expense | 1,223,000 | 2,547,000 | 3,835,000 | 24,014,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,398,000 | 2,812,000 | 4,304,000 | -13,177,000 |
| Income tax | 66,000 | 132,000 | 202,000 | 258,000 |
| Net income | 1,332,000 | 2,680,000 | 4,102,000 | -13,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,618,000 | 29,967,000 | 28,387,000 | 29,713,000 |
| Total capital | 30,774,000 | 31,993,000 | 30,462,000 | 31,755,000 |
| Risk-weighted assets | 172,056,000 | 161,558,000 | 165,455,000 | 162,849,000 |