Call reports 2024
CITIZENS FIRST BANK — 2024
What CITIZENS FIRST BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 324,482,000 | 327,045,000 | 337,005,000 | 326,149,000 |
| Total loans | 232,646,000 | 239,178,000 | 244,077,000 | 238,388,000 |
| Allowance for loan losses | 3,148,000 | 3,181,000 | 3,214,000 | 3,221,000 |
| Securities available for sale | 68,981,000 | 66,258,000 | 67,356,000 | 65,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,536,000 | 276,405,000 | 285,418,000 | 270,292,000 |
| Interest-bearing deposits | 225,591,000 | 227,901,000 | 232,416,000 | 221,523,000 |
| Noninterest-bearing deposits | 46,945,000 | 48,504,000 | 53,002,000 | 48,769,000 |
| Equity capital | 26,662,000 | 26,849,000 | 29,540,000 | 28,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,043,000 | 8,370,000 | 12,917,000 | 17,544,000 |
| Interest expense | 1,725,000 | 3,652,000 | 5,600,000 | 7,496,000 |
| Net interest income | 2,318,000 | 4,718,000 | 7,317,000 | 10,048,000 |
| Noninterest income | 390,000 | 829,000 | 1,302,000 | 1,732,000 |
| Noninterest expense | 2,131,000 | 4,082,000 | 6,174,000 | 8,201,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 60,000 |
| Pretax income | 584,000 | 1,426,000 | 2,362,000 | 3,496,000 |
| Income tax | 0 | 8,000 | 8,000 | 8,000 |
| Net income | 584,000 | 1,418,000 | 2,354,000 | 3,488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,398,000 | 31,585,000 | 32,313,000 | 32,757,000 |
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