Call reports 2021
CITIZENS FIRST BANK — 2021
What CITIZENS FIRST BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 263,789,000 | 268,604,000 | 270,983,000 | 276,698,000 |
| Total loans | 174,242,000 | 177,045,000 | 180,075,000 | 178,340,000 |
| Allowance for loan losses | 3,076,000 | 3,137,000 | 3,112,000 | 3,111,000 |
| Securities available for sale | 56,629,000 | 66,773,000 | 74,513,000 | 75,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,798,000 | 232,502,000 | 232,410,000 | 240,929,000 |
| Interest-bearing deposits | 177,728,000 | 181,252,000 | 178,634,000 | 186,237,000 |
| Noninterest-bearing deposits | 50,070,000 | 51,250,000 | 53,776,000 | 54,692,000 |
| Equity capital | 30,994,000 | 29,792,000 | 29,204,000 | 30,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,719,000 | 5,226,000 | 7,588,000 | 9,999,000 |
| Interest expense | 247,000 | 464,000 | 669,000 | 856,000 |
| Net interest income | 2,472,000 | 4,762,000 | 6,919,000 | 9,143,000 |
| Noninterest income | 547,000 | 1,048,000 | 1,428,000 | 1,883,000 |
| Noninterest expense | 1,279,000 | 3,108,000 | 5,502,000 | 5,930,000 |
| Provision for loan losses | 60,000 | 120,000 | 90,000 | 90,000 |
| Pretax income | 1,680,000 | 2,582,000 | 2,755,000 | 4,980,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,680,000 | 2,582,000 | 2,755,000 | 4,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,102,000 | 26,717,000 | 26,255,000 | 28,097,000 |