Call reports 2015
CITIZENS FIRST BANK — 2015
What CITIZENS FIRST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 176,491,000 | 176,731,000 | 179,186,000 | 187,039,000 |
| Total loans | 137,684,000 | 143,485,000 | 145,777,000 | 144,782,000 |
| Allowance for loan losses | 1,571,000 | 1,475,000 | 986,000 | 1,324,000 |
| Securities available for sale | 17,735,000 | 18,040,000 | 15,135,000 | 14,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,519,000 | 150,811,000 | 151,849,000 | 160,894,000 |
| Interest-bearing deposits | 137,139,000 | 134,601,000 | 134,267,000 | 141,129,000 |
| Noninterest-bearing deposits | 15,380,000 | 16,210,000 | 17,582,000 | 19,765,000 |
| Equity capital | 16,804,000 | 16,728,000 | 17,207,000 | 17,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,660,000 | 3,379,000 | 5,151,000 | 6,948,000 |
| Interest expense | 272,000 | 551,000 | 849,000 | 1,159,000 |
| Net interest income | 1,388,000 | 2,828,000 | 4,302,000 | 5,789,000 |
| Noninterest income | 288,000 | 629,000 | 910,000 | 1,273,000 |
| Noninterest expense | 1,305,000 | 2,598,000 | 3,990,000 | 5,387,000 |
| Provision for loan losses | 51,000 | 126,000 | 201,000 | 541,000 |
| Pretax income | 320,000 | 733,000 | 1,020,000 | 1,133,000 |
| Income tax | -3,000 | 11,000 | 29,000 | 48,000 |
| Net income | 323,000 | 722,000 | 991,000 | 1,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,760,000 | 16,933,000 | 17,203,000 | 17,297,000 |
| Total capital | 18,331,000 | 18,408,000 | 18,189,000 | 18,621,000 |
| Risk-weighted assets | 140,043,000 | 145,856,000 | 147,980,000 | 147,849,000 |