Call reports 2013
CITIZENS FIRST BANK — 2013
What CITIZENS FIRST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 161,533,000 | 151,432,000 | 159,825,000 | 163,883,000 |
| Total loans | 114,965,000 | 118,940,000 | 122,679,000 | 125,379,000 |
| Allowance for loan losses | 1,297,000 | 1,298,000 | 1,317,000 | 1,099,000 |
| Securities available for sale | 22,416,000 | 21,621,000 | 21,153,000 | 21,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,199,000 | 135,282,000 | 143,437,000 | 147,498,000 |
| Interest-bearing deposits | 127,710,000 | 119,040,000 | 125,698,000 | 131,906,000 |
| Noninterest-bearing deposits | 16,489,000 | 16,242,000 | 17,739,000 | 15,592,000 |
| Equity capital | 15,993,000 | 14,818,000 | 15,309,000 | 15,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,576,000 | 3,196,000 | 4,844,000 | 6,511,000 |
| Interest expense | 269,000 | 506,000 | 741,000 | 984,000 |
| Net interest income | 1,307,000 | 2,690,000 | 4,103,000 | 5,527,000 |
| Noninterest income | 332,000 | 701,000 | 1,005,000 | 1,277,000 |
| Noninterest expense | 1,084,000 | 2,290,000 | 3,433,000 | 4,782,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 65,000 |
| Pretax income | 540,000 | 1,086,000 | 1,660,000 | 1,957,000 |
| Income tax | 26,000 | 49,000 | 71,000 | 92,000 |
| Net income | 514,000 | 1,037,000 | 1,589,000 | 1,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,714,000 | 15,237,000 | 15,789,000 | 16,065,000 |
| Total capital | 17,011,000 | 16,535,000 | 17,106,000 | 17,164,000 |
| Risk-weighted assets | 146,274,000 | 148,974,000 | 154,579,000 | 153,152,000 |