Call reports 2015
CITIZENS FIRST BANK — 2015
What CITIZENS FIRST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 169,496,000 | 169,610,000 | 174,101,000 | 176,070,000 |
| Total loans | 124,241,000 | 127,086,000 | 130,933,000 | 129,352,000 |
| Allowance for loan losses | 2,338,000 | 2,354,000 | 2,418,000 | 2,387,000 |
| Securities available for sale | 32,383,000 | 27,807,000 | 28,231,000 | 30,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,407,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,261,000 | 146,584,000 | 148,316,000 | 152,013,000 |
| Interest-bearing deposits | 117,416,000 | 119,841,000 | 118,357,000 | 120,896,000 |
| Noninterest-bearing deposits | 27,845,000 | 26,743,000 | 29,959,000 | 31,117,000 |
| Equity capital | 20,661,000 | 20,565,000 | 20,920,000 | 21,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,841,000 | 3,683,000 | 5,559,000 | 7,531,000 |
| Interest expense | 211,000 | 422,000 | 632,000 | 840,000 |
| Net interest income | 1,630,000 | 3,261,000 | 4,927,000 | 6,691,000 |
| Noninterest income | 205,000 | 478,000 | 773,000 | 1,058,000 |
| Noninterest expense | 1,402,000 | 2,711,000 | 4,237,000 | 5,694,000 |
| Provision for loan losses | 30,000 | 70,000 | 130,000 | 170,000 |
| Pretax income | 402,000 | 1,023,000 | 1,398,000 | 1,950,000 |
| Income tax | 5,000 | 9,000 | 10,000 | 12,000 |
| Net income | 397,000 | 1,014,000 | 1,388,000 | 1,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,378,000 | 18,745,000 | 18,869,000 | 19,069,000 |
| Total capital | 20,061,000 | 20,460,000 | 20,549,000 | 20,760,000 |
| Risk-weighted assets | 134,041,000 | 136,587,000 | 133,527,000 | 134,591,000 |