Call reports 2014
CITIZENS FIRST BANK — 2014
What CITIZENS FIRST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 164,196,000 | 170,498,000 | 169,762,000 | 169,380,000 |
| Total loans | 115,400,000 | 118,125,000 | 122,425,000 | 123,757,000 |
| Allowance for loan losses | 2,372,000 | 2,335,000 | 2,376,000 | 2,302,000 |
| Securities available for sale | 34,370,000 | 34,900,000 | 33,545,000 | 32,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,784,000 | 147,829,000 | 144,908,000 | 145,223,000 |
| Interest-bearing deposits | 117,448,000 | 118,530,000 | 116,532,000 | 115,241,000 |
| Noninterest-bearing deposits | 24,336,000 | 29,299,000 | 28,376,000 | 29,982,000 |
| Equity capital | 19,086,000 | 19,712,000 | 19,920,000 | 20,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,796,000 | 3,582,000 | 5,390,000 | 7,207,000 |
| Interest expense | 230,000 | 461,000 | 690,000 | 910,000 |
| Net interest income | 1,566,000 | 3,121,000 | 4,700,000 | 6,297,000 |
| Noninterest income | 184,000 | 467,000 | 723,000 | 941,000 |
| Noninterest expense | 1,376,000 | 2,660,000 | 4,043,000 | 5,358,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 374,000 | 938,000 | 1,407,000 | 1,908,000 |
| Income tax | 1,000 | 3,000 | 5,000 | 10,000 |
| Net income | 373,000 | 935,000 | 1,402,000 | 1,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,457,000 | 17,769,000 | 17,986,000 | 18,231,000 |
| Total capital | 19,063,000 | 19,428,000 | 19,691,000 | 19,922,000 |
| Risk-weighted assets | 127,675,000 | 132,211,000 | 135,705,000 | 134,598,000 |