Call reports 2024
CITIZENS FIRST NATIONAL BANK — 2024
What CITIZENS FIRST NATIONAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 241,766,000 | 239,848,000 | 238,789,000 | 251,049,000 |
| Total loans | 147,937,000 | 146,707,000 | 148,482,000 | 150,888,000 |
| Allowance for loan losses | 2,512,000 | 2,572,000 | 2,458,000 | 2,458,000 |
| Securities available for sale | 55,370,000 | 43,500,000 | 64,232,000 | 68,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,062,000 | 203,462,000 | 200,629,000 | 213,606,000 |
| Interest-bearing deposits | 173,128,000 | 173,120,000 | 168,017,000 | 173,605,000 |
| Noninterest-bearing deposits | 33,934,000 | 30,342,000 | 32,612,000 | 40,001,000 |
| Equity capital | 29,708,000 | 31,233,000 | 32,672,000 | 32,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,062,000 | 6,260,000 | 9,076,000 | 12,107,000 |
| Interest expense | 793,000 | 1,615,000 | 2,457,000 | 3,289,000 |
| Net interest income | 2,269,000 | 4,645,000 | 6,619,000 | 8,818,000 |
| Noninterest income | 579,000 | 1,196,000 | 1,837,000 | 3,316,000 |
| Noninterest expense | 1,360,000 | 2,891,000 | 4,495,000 | 6,124,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 100,000 |
| Pretax income | 1,438,000 | 2,900,000 | 3,911,000 | 5,910,000 |
| Income tax | 67,000 | 136,000 | 184,000 | 0 |
| Net income | 1,371,000 | 2,764,000 | 3,727,000 | 5,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,083,000 | 32,476,000 | 33,440,000 | 33,123,000 |
| Total capital | 33,062,000 | 34,406,000 | 35,389,000 | 35,090,000 |
| Risk-weighted assets | 157,729,000 | 153,699,000 | 155,399,000 | 156,785,000 |