Call reports 2016
CITIZENS FIRST BANK — 2016
What CITIZENS FIRST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 183,318,000 | 181,031,000 | 179,617,000 | 188,700,000 |
| Total loans | 151,678,000 | 153,404,000 | 152,855,000 | 156,958,000 |
| Allowance for loan losses | 1,570,000 | 1,446,000 | 1,494,000 | 1,602,000 |
| Securities available for sale | 13,736,000 | 12,174,000 | 9,587,000 | 10,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,975,000 | 153,557,000 | 151,793,000 | 160,732,000 |
| Interest-bearing deposits | 140,372,000 | 135,573,000 | 131,604,000 | 140,961,000 |
| Noninterest-bearing deposits | 17,603,000 | 17,984,000 | 20,189,000 | 19,771,000 |
| Equity capital | 17,585,000 | 17,764,000 | 18,192,000 | 18,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,794,000 | 3,636,000 | 5,519,000 | 7,413,000 |
| Interest expense | 299,000 | 605,000 | 923,000 | 1,246,000 |
| Net interest income | 1,495,000 | 3,031,000 | 4,596,000 | 6,167,000 |
| Noninterest income | 337,000 | 675,000 | 1,051,000 | 1,456,000 |
| Noninterest expense | 1,394,000 | 2,756,000 | 4,146,000 | 5,504,000 |
| Provision for loan losses | 245,000 | 411,000 | 444,000 | 537,000 |
| Pretax income | 193,000 | 539,000 | 1,057,000 | 1,582,000 |
| Income tax | -9,000 | 17,000 | 43,000 | 50,000 |
| Net income | 202,000 | 522,000 | 1,014,000 | 1,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,499,000 | 17,619,000 | 18,111,000 | 18,629,000 |
| Total capital | 19,069,000 | 19,065,000 | 19,605,000 | 20,231,000 |
| Risk-weighted assets | 152,475,000 | 152,556,000 | 153,620,000 | 157,801,000 |