Call reports 2014
CITIZENS FIRST BANK, INC. — 2014
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 419,987,000 | 414,629,000 | 410,852,000 | 412,921,000 |
| Total loans | 301,683,000 | 311,740,000 | 310,877,000 | 318,477,000 |
| Allowance for loan losses | 4,827,000 | 4,953,000 | 4,903,000 | 4,885,000 |
| Securities available for sale | 54,675,000 | 55,405,000 | 62,248,000 | 58,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,473,000 | 346,138,000 | 337,663,000 | 342,572,000 |
| Interest-bearing deposits | 340,698,000 | 330,901,000 | 326,277,000 | 327,928,000 |
| Noninterest-bearing deposits | 11,775,000 | 15,237,000 | 11,386,000 | 14,644,000 |
| Equity capital | 44,150,000 | 44,942,000 | 45,394,000 | 44,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,181,000 | 8,412,000 | 12,766,000 | 17,135,000 |
| Interest expense | 625,000 | 1,261,000 | 1,873,000 | 2,470,000 |
| Net interest income | 3,556,000 | 7,151,000 | 10,893,000 | 14,665,000 |
| Noninterest income | 560,000 | 1,165,000 | 1,861,000 | 2,510,000 |
| Noninterest expense | 2,929,000 | 5,933,000 | 8,935,000 | 12,029,000 |
| Provision for loan losses | 125,000 | 275,000 | 275,000 | 275,000 |
| Pretax income | 1,062,000 | 2,182,000 | 3,618,000 | 4,966,000 |
| Income tax | 291,000 | 601,000 | 1,019,000 | 1,405,000 |
| Net income | 771,000 | 1,581,000 | 2,599,000 | 3,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,501,000 | 40,093,000 | 40,593,000 | 39,836,000 |
| Total capital | 43,458,000 | 44,141,000 | 44,767,000 | 44,052,000 |
| Risk-weighted assets | 315,729,000 | 322,924,000 | 333,214,000 | 336,613,000 |