Call reports 2016
CITIZENS FIRST BANK — 2016
What CITIZENS FIRST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 181,031,000 | 182,866,000 | 185,600,000 | 186,338,000 |
| Total loans | 133,420,000 | 136,378,000 | 139,214,000 | 140,414,000 |
| Allowance for loan losses | 2,408,000 | 2,434,000 | 2,438,000 | 2,057,000 |
| Securities available for sale | 29,798,000 | 27,989,000 | 29,082,000 | 27,122,000 |
| Securities held to maturity | 1,411,000 | 1,417,000 | 1,423,000 | 1,429,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,925,000 | 159,401,000 | 157,657,000 | 161,120,000 |
| Interest-bearing deposits | 125,471,000 | 126,598,000 | 126,408,000 | 129,243,000 |
| Noninterest-bearing deposits | 30,454,000 | 32,803,000 | 31,249,000 | 31,877,000 |
| Equity capital | 21,507,000 | 22,004,000 | 22,364,000 | 21,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,921,000 | 3,949,000 | 5,908,000 | 7,873,000 |
| Interest expense | 209,000 | 422,000 | 636,000 | 847,000 |
| Net interest income | 1,712,000 | 3,527,000 | 5,272,000 | 7,026,000 |
| Noninterest income | 249,000 | 522,000 | 825,000 | 1,039,000 |
| Noninterest expense | 1,404,000 | 2,880,000 | 4,265,000 | 5,804,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 579,000 | 1,205,000 | 1,868,000 | 2,273,000 |
| Income tax | 1,000 | 4,000 | 5,000 | 7,000 |
| Net income | 578,000 | 1,201,000 | 1,863,000 | 2,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,297,000 | 19,670,000 | 20,082,000 | 20,085,000 |
| Total capital | 21,073,000 | 21,490,000 | 21,938,000 | 21,941,000 |
| Risk-weighted assets | 141,463,000 | 144,994,000 | 147,862,000 | 148,240,000 |