Call reports 2021
CITIZENS FIRST BANK — 2021
What CITIZENS FIRST BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 273,270,000 | 264,230,000 | 284,775,000 | 281,938,000 |
| Total loans | 193,462,000 | 181,456,000 | 179,005,000 | 182,333,000 |
| Allowance for loan losses | 2,022,000 | 1,854,000 | 1,996,000 | 2,224,000 |
| Securities available for sale | 41,281,000 | 53,089,000 | 69,828,000 | 78,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,366,000 | 230,002,000 | 246,604,000 | 244,293,000 |
| Interest-bearing deposits | 201,281,000 | 195,900,000 | 206,137,000 | 206,208,000 |
| Noninterest-bearing deposits | 35,085,000 | 34,102,000 | 40,467,000 | 38,085,000 |
| Equity capital | 22,904,000 | 23,096,000 | 23,554,000 | 23,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,380,000 | 5,102,000 | 7,703,000 | 10,111,000 |
| Interest expense | 604,000 | 1,171,000 | 1,709,000 | 2,156,000 |
| Net interest income | 1,776,000 | 3,931,000 | 5,994,000 | 7,955,000 |
| Noninterest income | 619,000 | 1,251,000 | 1,925,000 | 2,543,000 |
| Noninterest expense | 1,467,000 | 3,216,000 | 4,786,000 | 6,408,000 |
| Provision for loan losses | 150,000 | 524,000 | 659,000 | 924,000 |
| Pretax income | 778,000 | 1,454,000 | 2,457,000 | 3,127,000 |
| Income tax | 35,000 | 71,000 | 112,000 | 145,000 |
| Net income | 743,000 | 1,383,000 | 2,345,000 | 2,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,572,000 | 23,412,000 | 24,374,000 | 25,011,000 |