Call reports 2020
CITIZENS FIRST BANK — 2020
What CITIZENS FIRST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 228,530,000 | 250,857,000 | 244,400,000 | 267,763,000 |
| Total loans | 192,767,000 | 199,912,000 | 197,623,000 | 192,742,000 |
| Allowance for loan losses | 2,054,000 | 2,413,000 | 2,299,000 | 1,869,000 |
| Securities available for sale | 6,983,000 | 8,905,000 | 14,154,000 | 26,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,285,000 | 203,283,000 | 207,160,000 | 230,287,000 |
| Interest-bearing deposits | 164,830,000 | 173,109,000 | 176,489,000 | 198,311,000 |
| Noninterest-bearing deposits | 24,455,000 | 30,174,000 | 30,671,000 | 31,976,000 |
| Equity capital | 21,777,000 | 20,996,000 | 21,485,000 | 22,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,622,000 | 4,992,000 | 7,410,000 | 10,015,000 |
| Interest expense | 670,000 | 1,353,000 | 2,009,000 | 2,623,000 |
| Net interest income | 1,952,000 | 3,639,000 | 5,401,000 | 7,392,000 |
| Noninterest income | 443,000 | 1,359,000 | 2,177,000 | 2,935,000 |
| Noninterest expense | 1,686,000 | 3,878,000 | 5,567,000 | 7,068,000 |
| Provision for loan losses | 160,000 | 505,000 | 865,000 | 925,000 |
| Pretax income | 549,000 | 615,000 | 1,146,000 | 2,334,000 |
| Income tax | 34,000 | 29,000 | 56,000 | 72,000 |
| Net income | 515,000 | 586,000 | 1,090,000 | 2,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,581,000 | 20,652,000 | 21,157,000 | 22,329,000 |