Call reports 2017
CITIZENS FIRST BANK, INC. — 2017
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 464,334,000 | 462,211,000 | 455,095,000 | 465,120,000 |
| Total loans | 365,783,000 | 360,469,000 | 362,549,000 | 374,666,000 |
| Allowance for loan losses | 4,906,000 | 4,898,000 | 4,852,000 | 4,724,000 |
| Securities available for sale | 47,125,000 | 48,560,000 | 45,044,000 | 48,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,091,000 | 371,177,000 | 363,415,000 | 373,252,000 |
| Interest-bearing deposits | 360,356,000 | 350,843,000 | 349,940,000 | 358,474,000 |
| Noninterest-bearing deposits | 13,735,000 | 20,334,000 | 13,475,000 | 14,778,000 |
| Equity capital | 47,897,000 | 49,089,000 | 49,739,000 | 49,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,457,000 | 9,050,000 | 13,690,000 | 18,595,000 |
| Interest expense | 644,000 | 1,334,000 | 2,074,000 | 2,894,000 |
| Net interest income | 3,813,000 | 7,716,000 | 11,616,000 | 15,701,000 |
| Noninterest income | 740,000 | 1,591,000 | 2,439,000 | 3,265,000 |
| Noninterest expense | 3,158,000 | 6,145,000 | 9,199,000 | 12,130,000 |
| Provision for loan losses | 30,000 | 30,000 | 0 | -150,000 |
| Pretax income | 1,388,000 | 3,155,000 | 4,904,000 | 7,034,000 |
| Income tax | 416,000 | 966,000 | 1,515,000 | 2,562,000 |
| Net income | 972,000 | 2,189,000 | 3,389,000 | 4,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,144,000 | 45,075,000 | 45,744,000 | 46,388,000 |
| Total capital | 49,050,000 | 49,973,000 | 50,596,000 | 51,112,000 |
| Risk-weighted assets | 396,268,000 | 396,104,000 | 394,544,000 | 397,526,000 |