Call reports 2018
CITIZENS FIRST BANK — 2018
What CITIZENS FIRST BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 213,220,000 | 200,822,000 | 203,407,000 | 204,702,000 |
| Total loans | 173,365,000 | 175,227,000 | 174,434,000 | 175,690,000 |
| Allowance for loan losses | 2,149,000 | 2,227,000 | 2,224,000 | 2,124,000 |
| Securities available for sale | 13,570,000 | 12,407,000 | 12,188,000 | 11,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,614,000 | 169,080,000 | 171,807,000 | 171,988,000 |
| Interest-bearing deposits | 159,707,000 | 144,809,000 | 148,621,000 | 148,457,000 |
| Noninterest-bearing deposits | 21,907,000 | 24,271,000 | 23,186,000 | 23,531,000 |
| Equity capital | 19,492,000 | 18,654,000 | 19,215,000 | 19,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,167,000 | 4,428,000 | 6,729,000 | 9,103,000 |
| Interest expense | 408,000 | 880,000 | 1,419,000 | 1,988,000 |
| Net interest income | 1,759,000 | 3,548,000 | 5,310,000 | 7,115,000 |
| Noninterest income | 333,000 | 788,000 | 1,161,000 | 1,557,000 |
| Noninterest expense | 1,460,000 | 2,998,000 | 4,475,000 | 6,052,000 |
| Provision for loan losses | 63,000 | 141,000 | 141,000 | 206,000 |
| Pretax income | 566,000 | 1,194,000 | 1,852,000 | 2,411,000 |
| Income tax | 35,000 | 60,000 | 82,000 | 101,000 |
| Net income | 531,000 | 1,134,000 | 1,770,000 | 2,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,767,000 | 18,970,000 | 19,606,000 | 20,045,000 |
| Total capital | 21,916,000 | 21,144,000 | 21,786,000 | 22,169,000 |
| Risk-weighted assets | 174,206,000 | 173,874,000 | 174,376,000 | 176,364,000 |