Call reports 2017
CITIZENS FIRST BANK — 2017
What CITIZENS FIRST BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 186,612,000 | 185,405,000 | 192,032,000 | 196,887,000 |
| Total loans | 153,068,000 | 157,970,000 | 165,916,000 | 169,058,000 |
| Allowance for loan losses | 1,583,000 | 1,601,000 | 1,675,000 | 2,085,000 |
| Securities available for sale | 12,592,000 | 12,389,000 | 11,232,000 | 11,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,307,000 | 155,105,000 | 160,944,000 | 165,961,000 |
| Interest-bearing deposits | 140,184,000 | 136,264,000 | 139,817,000 | 141,898,000 |
| Noninterest-bearing deposits | 18,123,000 | 18,841,000 | 21,127,000 | 24,063,000 |
| Equity capital | 19,013,000 | 18,814,000 | 19,141,000 | 19,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,874,000 | 3,822,000 | 5,836,000 | 7,959,000 |
| Interest expense | 316,000 | 636,000 | 989,000 | 1,368,000 |
| Net interest income | 1,558,000 | 3,186,000 | 4,847,000 | 6,591,000 |
| Noninterest income | 346,000 | 704,000 | 1,079,000 | 1,475,000 |
| Noninterest expense | 1,357,000 | 2,722,000 | 4,106,000 | 5,552,000 |
| Provision for loan losses | 57,000 | 124,000 | 196,000 | 607,000 |
| Pretax income | 490,000 | 1,044,000 | 1,624,000 | 1,907,000 |
| Income tax | 8,000 | 38,000 | 67,000 | 100,000 |
| Net income | 482,000 | 1,006,000 | 1,557,000 | 1,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,111,000 | 18,835,000 | 19,186,000 | 19,335,000 |
| Total capital | 20,694,000 | 20,436,000 | 20,861,000 | 21,420,000 |
| Risk-weighted assets | 154,972,000 | 158,369,000 | 166,148,000 | 168,499,000 |