Call reports 2014
CITIZENS FIRST BANK — 2014
What CITIZENS FIRST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 163,139,000 | 161,992,000 | 165,442,000 | 175,238,000 |
| Total loans | 127,802,000 | 127,811,000 | 132,813,000 | 136,457,000 |
| Allowance for loan losses | 1,218,000 | 1,187,000 | 1,507,000 | 1,519,000 |
| Securities available for sale | 21,274,000 | 18,086,000 | 17,404,000 | 15,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,034,000 | 142,359,000 | 144,874,000 | 152,617,000 |
| Interest-bearing deposits | 130,423,000 | 125,513,000 | 128,704,000 | 133,847,000 |
| Noninterest-bearing deposits | 14,611,000 | 16,846,000 | 16,170,000 | 18,770,000 |
| Equity capital | 15,997,000 | 15,699,000 | 15,777,000 | 16,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,626,000 | 3,248,000 | 4,900,000 | 6,551,000 |
| Interest expense | 257,000 | 512,000 | 771,000 | 1,036,000 |
| Net interest income | 1,369,000 | 2,736,000 | 4,129,000 | 5,515,000 |
| Noninterest income | 253,000 | 561,000 | 873,000 | 1,479,000 |
| Noninterest expense | 1,181,000 | 2,447,000 | 3,730,000 | 5,077,000 |
| Provision for loan losses | 150,000 | 300,000 | 640,000 | 660,000 |
| Pretax income | 291,000 | 613,000 | 695,000 | 1,337,000 |
| Income tax | -18,000 | 1,000 | 21,000 | 65,000 |
| Net income | 309,000 | 612,000 | 674,000 | 1,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,373,000 | 15,877,000 | 15,939,000 | 16,378,000 |
| Total capital | 17,591,000 | 17,064,000 | 17,446,000 | 17,897,000 |
| Risk-weighted assets | 156,685,000 | 157,366,000 | 160,940,000 | 161,455,000 |