Call reports 2024
CITIZENS FIRST BANK — 2024
What CITIZENS FIRST BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 318,117,000 | 307,752,000 | 310,776,000 | 321,244,000 |
| Total loans | 239,369,000 | 234,893,000 | 233,682,000 | 238,565,000 |
| Allowance for loan losses | 2,934,000 | 3,005,000 | 3,077,000 | 3,141,000 |
| Securities available for sale | 58,142,000 | 56,837,000 | 58,484,000 | 60,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,233,000 | 236,738,000 | 247,476,000 | 256,912,000 |
| Interest-bearing deposits | 210,399,000 | 201,596,000 | 207,167,000 | 216,649,000 |
| Noninterest-bearing deposits | 35,834,000 | 35,142,000 | 40,309,000 | 40,263,000 |
| Equity capital | 15,601,000 | 15,743,000 | 18,110,000 | 16,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,940,000 | 8,106,000 | 12,192,000 | 16,387,000 |
| Interest expense | 1,991,000 | 4,109,000 | 6,175,000 | 8,232,000 |
| Net interest income | 1,949,000 | 3,997,000 | 6,017,000 | 8,155,000 |
| Noninterest income | 480,000 | 944,000 | 1,452,000 | 1,969,000 |
| Noninterest expense | 1,841,000 | 3,832,000 | 5,636,000 | 7,522,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 516,000 | 997,000 | 1,657,000 | 2,342,000 |
| Income tax | 21,000 | 41,000 | 69,000 | 97,000 |
| Net income | 495,000 | 956,000 | 1,588,000 | 2,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,240,000 | 26,501,000 | 26,633,000 | 27,290,000 |
| Total capital | 29,260,000 | 29,558,000 | 29,751,000 | 30,487,000 |
| Risk-weighted assets | 252,132,000 | 247,972,000 | 253,760,000 | 257,936,000 |