Call reports 2013
CITIZENS FIRST BANK, INC. — 2013
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 421,900,000 | 411,312,000 | 410,557,000 | 410,060,000 |
| Total loans | 301,254,000 | 306,553,000 | 301,491,000 | 295,068,000 |
| Allowance for loan losses | 6,650,000 | 6,064,000 | 4,820,000 | 4,653,000 |
| Securities available for sale | 50,485,000 | 49,201,000 | 50,441,000 | 51,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,314,000 | 337,406,000 | 338,028,000 | 343,190,000 |
| Interest-bearing deposits | 333,217,000 | 322,341,000 | 322,935,000 | 331,267,000 |
| Noninterest-bearing deposits | 15,097,000 | 15,065,000 | 15,093,000 | 11,923,000 |
| Equity capital | 46,139,000 | 45,128,000 | 44,909,000 | 43,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,428,000 | 8,753,000 | 13,134,000 | 17,545,000 |
| Interest expense | 716,000 | 1,429,000 | 2,125,000 | 2,777,000 |
| Net interest income | 3,712,000 | 7,324,000 | 11,009,000 | 14,768,000 |
| Noninterest income | 641,000 | 1,331,000 | 2,051,000 | 2,650,000 |
| Noninterest expense | 2,935,000 | 5,934,000 | 9,059,000 | 11,936,000 |
| Provision for loan losses | 1,250,000 | 1,300,000 | 2,200,000 | 2,650,000 |
| Pretax income | 176,000 | 1,458,000 | 1,838,000 | 2,896,000 |
| Income tax | -20,000 | 339,000 | 396,000 | 684,000 |
| Net income | 196,000 | 1,119,000 | 1,442,000 | 2,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,425,000 | 40,418,000 | 39,999,000 | 38,851,000 |
| Total capital | 44,325,000 | 44,369,000 | 43,882,000 | 42,721,000 |
| Risk-weighted assets | 309,245,000 | 313,983,000 | 309,680,000 | 308,856,000 |