Call reports 2013
CITIZENS FIRST BANK — 2013
What CITIZENS FIRST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 157,936,000 | 164,567,000 | 165,042,000 | 162,864,000 |
| Total loans | 107,409,000 | 114,293,000 | 113,618,000 | 115,136,000 |
| Allowance for loan losses | 2,431,000 | 2,434,000 | 2,373,000 | 2,369,000 |
| Securities available for sale | 35,615,000 | 34,034,000 | 36,839,000 | 33,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,756,000 | 142,884,000 | 141,358,000 | 140,185,000 |
| Interest-bearing deposits | 115,770,000 | 118,992,000 | 117,337,000 | 115,736,000 |
| Noninterest-bearing deposits | 21,986,000 | 23,892,000 | 24,021,000 | 24,449,000 |
| Equity capital | 18,351,000 | 18,224,000 | 18,043,000 | 18,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,735,000 | 3,472,000 | 5,286,000 | 7,082,000 |
| Interest expense | 247,000 | 485,000 | 717,000 | 941,000 |
| Net interest income | 1,488,000 | 2,987,000 | 4,569,000 | 6,141,000 |
| Noninterest income | 250,000 | 531,000 | 797,000 | 1,292,000 |
| Noninterest expense | 1,283,000 | 2,468,000 | 3,794,000 | 4,983,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 455,000 | 1,050,000 | 1,572,000 | 2,431,000 |
| Income tax | 0 | 2,000 | 3,000 | 4,000 |
| Net income | 455,000 | 1,048,000 | 1,569,000 | 2,427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,111,000 | 16,454,000 | 16,725,000 | 17,334,000 |
| Total capital | 17,670,000 | 17,989,000 | 18,282,000 | 18,924,000 |
| Risk-weighted assets | 123,115,000 | 121,112,000 | 122,973,000 | 126,392,000 |