Call reports 2023
CITIZENS FIRST BANK — 2023
What CITIZENS FIRST BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 303,668,000 | 305,463,000 | 311,264,000 | 314,304,000 |
| Total loans | 222,375,000 | 227,270,000 | 231,381,000 | 238,275,000 |
| Allowance for loan losses | 2,962,000 | 3,064,000 | 3,077,000 | 2,847,000 |
| Securities available for sale | 64,554,000 | 61,287,000 | 57,019,000 | 59,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,582,000 | 244,969,000 | 256,669,000 | 260,664,000 |
| Interest-bearing deposits | 229,140,000 | 206,526,000 | 219,178,000 | 224,360,000 |
| Noninterest-bearing deposits | 40,442,000 | 38,443,000 | 37,491,000 | 36,304,000 |
| Equity capital | 14,874,000 | 14,044,000 | 12,003,000 | 15,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,139,000 | 6,511,000 | 10,127,000 | 13,976,000 |
| Interest expense | 1,277,000 | 2,848,000 | 4,723,000 | 6,662,000 |
| Net interest income | 1,862,000 | 3,663,000 | 5,404,000 | 7,314,000 |
| Noninterest income | 341,000 | 731,000 | 871,000 | 1,222,000 |
| Noninterest expense | 1,911,000 | 3,606,000 | 5,343,000 | 7,204,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 240,000 | 673,000 | 759,000 | 1,103,000 |
| Income tax | 10,000 | 28,000 | 31,000 | 45,000 |
| Net income | 230,000 | 645,000 | 728,000 | 1,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,083,000 | 25,697,000 | 25,782,000 | 25,853,000 |
| Total capital | 29,038,000 | 28,715,000 | 28,869,000 | 28,790,000 |
| Risk-weighted assets | 236,316,000 | 241,305,000 | 246,957,000 | 250,160,000 |