Call reports 2025
CITIZENS FIRST BANK — 2025
What CITIZENS FIRST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 319,701,000 | 330,080,000 | 332,894,000 | 344,556,000 |
| Total loans | 233,504,000 | 243,065,000 | 243,136,000 | 248,981,000 |
| Allowance for loan losses | 3,215,000 | 3,119,000 | 3,122,000 | 3,204,000 |
| Securities available for sale | 65,925,000 | 65,256,000 | 66,718,000 | 64,551,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,233,000 | 271,920,000 | 272,774,000 | 281,651,000 |
| Interest-bearing deposits | 220,900,000 | 220,370,000 | 220,082,000 | 211,760,000 |
| Noninterest-bearing deposits | 47,333,000 | 51,550,000 | 52,692,000 | 69,891,000 |
| Equity capital | 29,998,000 | 30,700,000 | 32,699,000 | 33,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,453,000 | 9,108,000 | 13,869,000 | 18,772,000 |
| Interest expense | 1,762,000 | 3,500,000 | 5,255,000 | 6,926,000 |
| Net interest income | 2,691,000 | 5,608,000 | 8,614,000 | 11,846,000 |
| Noninterest income | 398,000 | 866,000 | 1,333,000 | 1,829,000 |
| Noninterest expense | 2,165,000 | 4,421,000 | 6,582,000 | 9,070,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 920,000 | 2,051,000 | 3,355,000 | 4,431,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 920,000 | 2,051,000 | 3,355,000 | 4,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,677,000 | 33,839,000 | 34,727,000 | 35,427,000 |