Call reports 2025
CITIZENS FIRST BANK — 2025
What CITIZENS FIRST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 327,977,000 | 339,311,000 | 345,498,000 | 359,258,000 |
| Total loans | 239,417,000 | 251,348,000 | 260,368,000 | 276,305,000 |
| Allowance for loan losses | 4,642,000 | 3,194,000 | 3,341,000 | 3,287,000 |
| Securities available for sale | 67,014,000 | 66,075,000 | 65,282,000 | 64,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,497,000 | 263,975,000 | 281,113,000 | 280,087,000 |
| Interest-bearing deposits | 230,301,000 | 238,072,000 | 249,977,000 | 246,231,000 |
| Noninterest-bearing deposits | 33,196,000 | 25,903,000 | 31,136,000 | 33,856,000 |
| Equity capital | 16,552,000 | 18,866,000 | 20,615,000 | 22,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,910,000 | 8,371,000 | 12,933,000 | 17,797,000 |
| Interest expense | 2,079,000 | 4,275,000 | 6,544,000 | 8,767,000 |
| Net interest income | 1,831,000 | 4,096,000 | 6,389,000 | 9,030,000 |
| Noninterest income | 434,000 | 953,000 | 1,450,000 | 1,986,000 |
| Noninterest expense | 1,909,000 | 4,124,000 | 5,993,000 | 8,122,000 |
| Provision for loan losses | 1,517,000 | 1,592,000 | 1,742,000 | 1,792,000 |
| Pretax income | -1,161,000 | -653,000 | 119,000 | 1,117,000 |
| Income tax | 12,000 | -27,000 | 5,000 | 42,000 |
| Net income | -1,173,000 | -626,000 | 114,000 | 1,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,115,000 | 27,416,000 | 28,156,000 | 29,397,000 |
| Total capital | 29,391,000 | 30,652,000 | 31,538,000 | 32,725,000 |
| Risk-weighted assets | 260,731,000 | 274,226,000 | 281,850,000 | 295,004,000 |