Call reports 2018
CITIZENS FIRST BANK, INC. — 2018
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 486,688,000 | 488,282,000 | 473,482,000 | 475,737,000 |
| Total loans | 389,505,000 | 383,437,000 | 370,689,000 | 371,813,000 |
| Allowance for loan losses | 4,693,000 | 4,750,000 | 4,776,000 | 4,373,000 |
| Securities available for sale | 46,044,000 | 46,433,000 | 45,450,000 | 47,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,516,000 | 389,694,000 | 383,917,000 | 389,842,000 |
| Interest-bearing deposits | 372,220,000 | 375,281,000 | 371,077,000 | 375,627,000 |
| Noninterest-bearing deposits | 15,296,000 | 14,413,000 | 12,840,000 | 14,215,000 |
| Equity capital | 50,465,000 | 51,678,000 | 52,544,000 | 53,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,860,000 | 10,022,000 | 15,116,000 | 20,228,000 |
| Interest expense | 918,000 | 1,932,000 | 3,064,000 | 4,288,000 |
| Net interest income | 3,942,000 | 8,090,000 | 12,052,000 | 15,940,000 |
| Noninterest income | 770,000 | 1,613,000 | 2,472,000 | 3,372,000 |
| Noninterest expense | 3,217,000 | 6,310,000 | 9,438,000 | 12,534,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 160,000 |
| Pretax income | 1,465,000 | 3,333,000 | 4,996,000 | 6,618,000 |
| Income tax | 289,000 | 664,000 | 1,021,000 | 1,340,000 |
| Net income | 1,176,000 | 2,669,000 | 3,975,000 | 5,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,346,000 | 48,555,000 | 49,579,000 | 50,742,000 |
| Total capital | 52,039,000 | 53,305,000 | 54,355,000 | 55,115,000 |
| Risk-weighted assets | 412,093,000 | 404,600,000 | 391,650,000 | 392,795,000 |