Call reports 2019
CITIZENS FIRST BANK, INC. — 2019
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 |
|---|---|---|
| Total assets | 471,566,000 | 455,318,000 |
| Total loans | 378,039,000 | 365,064,000 |
| Allowance for loan losses | 4,399,000 | 5,302,000 |
| Securities available for sale | 45,627,000 | 44,122,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 382,456,000 | 371,502,000 |
| Interest-bearing deposits | 369,496,000 | 358,020,000 |
| Noninterest-bearing deposits | 12,960,000 | 13,482,000 |
| Equity capital | 55,596,000 | 53,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 |
|---|---|---|
| Interest income | 5,156,000 | 10,337,000 |
| Interest expense | 1,258,000 | 2,515,000 |
| Net interest income | 3,898,000 | 7,822,000 |
| Noninterest income | 762,000 | 1,634,000 |
| Noninterest expense | 3,171,000 | 8,460,000 |
| Provision for loan losses | 0 | 900,000 |
| Pretax income | 1,489,000 | 140,000 |
| Income tax | 289,000 | 28,000 |
| Net income | 1,200,000 | 112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 |
|---|---|---|
| Tier 1 capital | 51,960,000 | 49,889,000 |
| Total capital | 56,359,000 | 54,735,000 |
| Risk-weighted assets | 396,636,000 | 387,240,000 |