Call reports 2015
CITIZENS FIRST BANK, INC. — 2015
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 431,258,000 | 429,948,000 | 424,466,000 | 432,118,000 |
| Total loans | 319,942,000 | 314,195,000 | 327,304,000 | 330,782,000 |
| Allowance for loan losses | 4,947,000 | 4,983,000 | 5,021,000 | 4,916,000 |
| Securities available for sale | 58,912,000 | 58,352,000 | 60,068,000 | 60,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,002,000 | 369,243,000 | 363,613,000 | 371,091,000 |
| Interest-bearing deposits | 353,445,000 | 356,683,000 | 350,906,000 | 356,958,000 |
| Noninterest-bearing deposits | 12,557,000 | 12,560,000 | 12,707,000 | 14,133,000 |
| Equity capital | 45,714,000 | 45,823,000 | 45,721,000 | 46,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,306,000 | 8,775,000 | 13,189,000 | 17,685,000 |
| Interest expense | 603,000 | 1,226,000 | 1,827,000 | 2,405,000 |
| Net interest income | 3,703,000 | 7,549,000 | 11,362,000 | 15,280,000 |
| Noninterest income | 620,000 | 1,342,000 | 2,134,000 | 2,930,000 |
| Noninterest expense | 3,066,000 | 6,140,000 | 9,578,000 | 12,623,000 |
| Provision for loan losses | 80,000 | 200,000 | 200,000 | 135,000 |
| Pretax income | 1,177,000 | 2,561,000 | 3,728,000 | 5,530,000 |
| Income tax | 325,000 | 723,000 | 1,047,000 | 1,589,000 |
| Net income | 852,000 | 1,838,000 | 2,681,000 | 3,941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,975,000 | 41,501,000 | 41,351,000 | 41,901,000 |
| Total capital | 45,185,000 | 45,733,000 | 45,721,000 | 46,353,000 |
| Risk-weighted assets | 336,083,000 | 337,835,000 | 349,028,000 | 355,733,000 |