Call reports 2019
CITIZENS FIRST BANK — 2019
What CITIZENS FIRST BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 207,637,000 | 207,894,000 | 204,887,000 | 214,317,000 |
| Total loans | 177,845,000 | 179,020,000 | 182,088,000 | 187,986,000 |
| Allowance for loan losses | 2,132,000 | 2,126,000 | 2,127,000 | 1,893,000 |
| Securities available for sale | 10,272,000 | 7,631,000 | 5,470,000 | 5,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,525,000 | 173,610,000 | 169,854,000 | 179,326,000 |
| Interest-bearing deposits | 152,419,000 | 149,519,000 | 147,100,000 | 154,964,000 |
| Noninterest-bearing deposits | 22,106,000 | 24,091,000 | 22,754,000 | 24,362,000 |
| Equity capital | 20,494,000 | 20,087,000 | 20,968,000 | 21,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,359,000 | 4,808,000 | 7,312,000 | 9,860,000 |
| Interest expense | 564,000 | 1,176,000 | 1,816,000 | 2,484,000 |
| Net interest income | 1,795,000 | 3,632,000 | 5,496,000 | 7,376,000 |
| Noninterest income | 339,000 | 733,000 | 1,190,000 | 1,643,000 |
| Noninterest expense | 1,510,000 | 2,979,000 | 4,453,000 | 6,028,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 405,000 |
| Pretax income | 564,000 | 1,269,000 | 2,114,000 | 2,587,000 |
| Income tax | 33,000 | 61,000 | 94,000 | 66,000 |
| Net income | 531,000 | 1,208,000 | 2,020,000 | 2,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,577,000 | 20,053,000 | 20,865,000 | 21,067,000 |
| Total capital | 22,709,000 | 22,179,000 | 22,992,000 | 22,960,000 |
| Risk-weighted assets | 177,658,000 | 178,610,000 | 181,671,000 | 186,349,000 |