Call reports 2022
CITIZENS FIRST BANK — 2022
What CITIZENS FIRST BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 279,721,000 | 276,894,000 | 296,092,000 | 303,394,000 |
| Total loans | 183,786,000 | 191,063,000 | 209,636,000 | 218,308,000 |
| Allowance for loan losses | 2,331,000 | 2,471,000 | 2,699,000 | 2,896,000 |
| Securities available for sale | 68,986,000 | 67,150,000 | 66,945,000 | 67,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,591,000 | 248,916,000 | 269,851,000 | 269,636,000 |
| Interest-bearing deposits | 213,733,000 | 208,286,000 | 227,505,000 | 226,058,000 |
| Noninterest-bearing deposits | 37,858,000 | 40,630,000 | 42,346,000 | 43,578,000 |
| Equity capital | 18,525,000 | 14,246,000 | 11,424,000 | 13,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,337,000 | 4,780,000 | 7,449,000 | 10,476,000 |
| Interest expense | 384,000 | 743,000 | 1,250,000 | 2,100,000 |
| Net interest income | 1,953,000 | 4,037,000 | 6,199,000 | 8,376,000 |
| Noninterest income | 517,000 | 898,000 | 1,235,000 | 1,589,000 |
| Noninterest expense | 1,706,000 | 3,457,000 | 5,333,000 | 6,944,000 |
| Provision for loan losses | 198,000 | 396,000 | 594,000 | 792,000 |
| Pretax income | 562,000 | 1,078,000 | 1,499,000 | 2,221,000 |
| Income tax | 45,000 | 93,000 | 121,000 | 92,000 |
| Net income | 517,000 | 985,000 | 1,378,000 | 2,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,528,000 | 24,797,000 | 25,189,000 | 25,940,000 |
| Total capital | — | — | — | 28,758,000 |
| Risk-weighted assets | — | — | — | 225,397,000 |