Call reports 2022
CITIZENS FIRST BANK — 2022
What CITIZENS FIRST BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 276,534,000 | 288,369,000 | 301,431,000 | 305,821,000 |
| Total loans | 182,529,000 | 196,207,000 | 209,927,000 | 215,048,000 |
| Allowance for loan losses | 3,119,000 | 3,099,000 | 3,105,000 | 3,074,000 |
| Securities available for sale | 75,887,000 | 69,292,000 | 70,148,000 | 70,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,699,000 | 258,170,000 | 272,451,000 | 261,958,000 |
| Interest-bearing deposits | 190,400,000 | 203,081,000 | 209,503,000 | 201,697,000 |
| Noninterest-bearing deposits | 53,299,000 | 55,089,000 | 62,948,000 | 60,261,000 |
| Equity capital | 27,189,000 | 24,330,000 | 22,901,000 | 23,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,338,000 | 4,960,000 | 7,809,000 | 10,961,000 |
| Interest expense | 162,000 | 376,000 | 747,000 | 1,389,000 |
| Net interest income | 2,176,000 | 4,584,000 | 7,062,000 | 9,572,000 |
| Noninterest income | 365,000 | 703,000 | 1,044,000 | 1,648,000 |
| Noninterest expense | 1,849,000 | 3,543,000 | 5,459,000 | 7,475,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 692,000 | 1,723,000 | 2,626,000 | 3,724,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 692,000 | 1,723,000 | 2,626,000 | 3,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,790,000 | 28,400,000 | 29,067,000 | 29,415,000 |