Call reports 2016
CITIZENS FIRST BANK, INC. — 2016
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 434,594,000 | 438,146,000 | 441,587,000 | 455,354,000 |
| Total loans | 330,648,000 | 347,130,000 | 343,176,000 | 359,655,000 |
| Allowance for loan losses | 5,044,000 | 4,949,000 | 4,961,000 | 4,854,000 |
| Securities available for sale | 61,671,000 | 58,541,000 | 55,424,000 | 53,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,587,000 | 354,009,000 | 354,294,000 | 371,117,000 |
| Interest-bearing deposits | 352,378,000 | 340,202,000 | 340,620,000 | 356,173,000 |
| Noninterest-bearing deposits | 11,209,000 | 13,807,000 | 13,674,000 | 14,944,000 |
| Equity capital | 46,242,000 | 47,093,000 | 47,217,000 | 47,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,477,000 | 9,012,000 | 13,570,000 | 18,141,000 |
| Interest expense | 571,000 | 1,154,000 | 1,761,000 | 2,382,000 |
| Net interest income | 3,906,000 | 7,858,000 | 11,809,000 | 15,759,000 |
| Noninterest income | 682,000 | 1,410,000 | 2,194,000 | 2,953,000 |
| Noninterest expense | 3,190,000 | 6,292,000 | 9,281,000 | 12,305,000 |
| Provision for loan losses | 0 | -85,000 | -85,000 | -85,000 |
| Pretax income | 1,449,000 | 3,167,000 | 4,932,000 | 6,617,000 |
| Income tax | 444,000 | 982,000 | 1,518,000 | 2,045,000 |
| Net income | 1,005,000 | 2,185,000 | 3,414,000 | 4,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,864,000 | 42,554,000 | 42,828,000 | 43,497,000 |
| Total capital | 46,290,000 | 47,158,000 | 47,396,000 | 48,316,000 |
| Risk-weighted assets | 353,501,000 | 367,995,000 | 365,086,000 | 385,535,000 |