Call reports 2018
CITIZENS FIRST BANK — 2018
What CITIZENS FIRST BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 191,377,000 | 196,716,000 | 204,760,000 | 211,073,000 |
| Total loans | 149,766,000 | 152,235,000 | 158,500,000 | 160,908,000 |
| Allowance for loan losses | 2,314,000 | 2,348,000 | 2,451,000 | 2,522,000 |
| Securities available for sale | 26,410,000 | 27,912,000 | 30,590,000 | 30,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,079,000 | 159,857,000 | 159,826,000 | 163,290,000 |
| Interest-bearing deposits | 124,868,000 | 125,685,000 | 126,108,000 | 128,893,000 |
| Noninterest-bearing deposits | 30,211,000 | 34,172,000 | 33,718,000 | 34,397,000 |
| Equity capital | 23,300,000 | 23,636,000 | 23,773,000 | 24,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,049,000 | 4,215,000 | 6,471,000 | 8,832,000 |
| Interest expense | 226,000 | 494,000 | 802,000 | 1,193,000 |
| Net interest income | 1,823,000 | 3,721,000 | 5,669,000 | 7,639,000 |
| Noninterest income | 243,000 | 536,000 | 773,000 | 1,039,000 |
| Noninterest expense | 1,398,000 | 2,889,000 | 4,369,000 | 5,727,000 |
| Provision for loan losses | 10,000 | 40,000 | 140,000 | 240,000 |
| Pretax income | 675,000 | 1,345,000 | 1,950,000 | 2,726,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 675,000 | 1,345,000 | 1,950,000 | 2,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,985,000 | 22,405,000 | 22,760,000 | 23,161,000 |
| Total capital | 23,998,000 | 24,456,000 | 24,900,000 | 25,258,000 |
| Risk-weighted assets | 160,717,000 | 163,760,000 | 170,826,000 | 167,366,000 |