Call reports 2019
CITIZENS FIRST BANK — 2019
What CITIZENS FIRST BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 217,546,000 | 215,692,000 | 220,948,000 | 222,774,000 |
| Total loans | 162,903,000 | 166,275,000 | 165,786,000 | 165,988,000 |
| Allowance for loan losses | 2,668,000 | 2,703,000 | 2,648,000 | 2,663,000 |
| Securities available for sale | 28,375,000 | 30,467,000 | 31,982,000 | 35,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,990,000 | 177,987,000 | 180,390,000 | 186,486,000 |
| Interest-bearing deposits | 144,824,000 | 144,154,000 | 146,190,000 | 150,593,000 |
| Noninterest-bearing deposits | 33,166,000 | 33,833,000 | 34,200,000 | 35,893,000 |
| Equity capital | 25,309,000 | 25,525,000 | 26,373,000 | 26,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,454,000 | 5,019,000 | 7,593,000 | 10,182,000 |
| Interest expense | 537,000 | 1,069,000 | 1,618,000 | 2,135,000 |
| Net interest income | 1,917,000 | 3,950,000 | 5,975,000 | 8,047,000 |
| Noninterest income | 216,000 | 645,000 | 980,000 | 1,362,000 |
| Noninterest expense | 1,470,000 | 3,121,000 | 4,583,000 | 6,240,000 |
| Provision for loan losses | 100,000 | 130,000 | 160,000 | 240,000 |
| Pretax income | 483,000 | 1,257,000 | 2,125,000 | 2,842,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 483,000 | 1,257,000 | 2,125,000 | 2,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,396,000 | 23,138,000 | 23,756,000 | 24,223,000 |
| Total capital | 25,543,000 | 25,376,000 | 25,900,000 | 26,537,000 |
| Risk-weighted assets | 171,272,000 | 178,596,000 | 171,025,000 | 184,823,000 |