Call reports 2020
CITIZENS FIRST BANK — 2020
What CITIZENS FIRST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 224,145,000 | 253,791,000 | 248,435,000 | 259,497,000 |
| Total loans | 165,633,000 | 171,205,000 | 176,959,000 | 173,978,000 |
| Allowance for loan losses | 2,649,000 | 2,727,000 | 2,912,000 | 3,013,000 |
| Securities available for sale | 37,608,000 | 45,897,000 | 49,777,000 | 52,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,681,000 | 212,870,000 | 211,894,000 | 224,749,000 |
| Interest-bearing deposits | 154,339,000 | 169,150,000 | 168,771,000 | 178,956,000 |
| Noninterest-bearing deposits | 35,342,000 | 43,720,000 | 43,123,000 | 45,793,000 |
| Equity capital | 26,456,000 | 28,586,000 | 29,458,000 | 30,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,484,000 | 5,190,000 | 7,705,000 | 10,173,000 |
| Interest expense | 524,000 | 1,008,000 | 1,625,000 | 1,970,000 |
| Net interest income | 1,960,000 | 4,182,000 | 6,080,000 | 8,203,000 |
| Noninterest income | 359,000 | 997,000 | 1,660,000 | 2,201,000 |
| Noninterest expense | 1,504,000 | 3,183,000 | 4,935,000 | 6,524,000 |
| Provision for loan losses | 30,000 | 90,000 | 180,000 | 270,000 |
| Pretax income | 785,000 | 1,906,000 | 2,758,000 | 3,743,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 785,000 | 1,906,000 | 2,758,000 | 3,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,758,000 | 25,018,000 | 25,685,000 | 26,420,000 |
| Total capital | — | 27,470,000 | — | — |
| Risk-weighted assets | — | 195,827,000 | — | — |