Call reports 2017
CITIZENS FIRST BANK — 2017
What CITIZENS FIRST BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 189,122,000 | 191,853,000 | 193,368,000 | 191,058,000 |
| Total loans | 143,492,000 | 146,670,000 | 148,680,000 | 147,301,000 |
| Allowance for loan losses | 2,148,000 | 2,281,000 | 2,619,000 | 2,284,000 |
| Securities available for sale | 27,376,000 | 27,476,000 | 25,342,000 | 26,149,000 |
| Securities held to maturity | 1,439,000 | 1,430,000 | 1,434,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,066,000 | 165,376,000 | 160,850,000 | 158,916,000 |
| Interest-bearing deposits | 131,633,000 | 132,420,000 | 127,522,000 | 126,972,000 |
| Noninterest-bearing deposits | 30,433,000 | 32,956,000 | 33,328,000 | 31,943,000 |
| Equity capital | 22,272,000 | 22,719,000 | 22,853,000 | 23,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,030,000 | 4,025,000 | 6,027,000 | 8,114,000 |
| Interest expense | 208,000 | 415,000 | 623,000 | 840,000 |
| Net interest income | 1,822,000 | 3,610,000 | 5,404,000 | 7,274,000 |
| Noninterest income | 267,000 | 548,000 | 845,000 | 1,111,000 |
| Noninterest expense | 1,301,000 | 2,776,000 | 4,120,000 | 5,443,000 |
| Provision for loan losses | 90,000 | 205,000 | 538,000 | 538,000 |
| Pretax income | 701,000 | 1,180,000 | 1,676,000 | 2,476,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 700,000 | 1,179,000 | 1,675,000 | 2,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,535,000 | 20,764,000 | 21,010,000 | 21,560,000 |
| Total capital | 22,451,000 | 22,690,000 | 22,978,000 | 23,540,000 |
| Risk-weighted assets | 153,047,000 | 153,736,000 | 156,778,000 | 158,073,000 |