Call reports 2023
CITIZENS FIRST BANK — 2023
What CITIZENS FIRST BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 309,480,000 | 313,922,000 | 322,437,000 | 325,247,000 |
| Total loans | 220,202,000 | 224,257,000 | 228,193,000 | 229,107,000 |
| Allowance for loan losses | 3,132,000 | 3,137,000 | 3,146,000 | 3,148,000 |
| Securities available for sale | 66,064,000 | 63,860,000 | 72,539,000 | 69,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,780,000 | 262,129,000 | 273,194,000 | 278,761,000 |
| Interest-bearing deposits | 219,448,000 | 209,813,000 | 221,003,000 | 227,932,000 |
| Noninterest-bearing deposits | 51,332,000 | 52,316,000 | 52,191,000 | 50,829,000 |
| Equity capital | 25,372,000 | 24,814,000 | 23,635,000 | 26,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,330,000 | 6,883,000 | 10,743,000 | 14,833,000 |
| Interest expense | 969,000 | 2,233,000 | 3,655,000 | 5,387,000 |
| Net interest income | 2,361,000 | 4,650,000 | 7,088,000 | 9,446,000 |
| Noninterest income | 361,000 | 775,000 | 1,159,000 | 1,602,000 |
| Noninterest expense | 2,013,000 | 3,894,000 | 5,871,000 | 7,785,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 545,000 | 1,367,000 | 2,212,000 | 3,099,000 |
| Income tax | 0 | 0 | 0 | 43,000 |
| Net income | 545,000 | 1,367,000 | 2,212,000 | 3,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,960,000 | 30,407,000 | 30,795,000 | 30,876,000 |