Call reports 2015
CITIZENS 1ST BANK — 2015
What CITIZENS 1ST BANK 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 | 753,907,000 | 709,923,000 | 732,152,000 | 755,152,000 |
| Total loans | 257,287,000 | 265,007,000 | 270,440,000 | 278,305,000 |
| Allowance for loan losses | 1,892,000 | 1,887,000 | 1,885,000 | 1,889,000 |
| Securities available for sale | 442,647,000 | 423,650,000 | 414,148,000 | 409,584,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,584,000 | 448,151,000 | 453,718,000 | 465,126,000 |
| Interest-bearing deposits | 405,275,000 | 389,258,000 | 399,070,000 | 402,500,000 |
| Noninterest-bearing deposits | 63,309,000 | 58,893,000 | 54,648,000 | 62,626,000 |
| Equity capital | 150,419,000 | 148,515,000 | 156,417,000 | 146,422,000 |
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 | 6,404,000 | 12,961,000 | 19,214,000 | 25,082,000 |
| Interest expense | 1,230,000 | 2,471,000 | 3,522,000 | 4,456,000 |
| Net interest income | 5,174,000 | 10,490,000 | 15,692,000 | 20,626,000 |
| Noninterest income | 174,000 | 304,000 | 417,000 | 1,029,000 |
| Noninterest expense | 1,718,000 | 3,529,000 | 5,402,000 | 7,790,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,683,000 | 7,327,000 | 10,769,000 | 13,927,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,683,000 | 7,327,000 | 10,769,000 | 13,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 138,212,000 | 141,772,000 | 145,277,000 | 136,438,000 |
| Total capital | 140,104,000 | 143,659,000 | 147,162,000 | 138,327,000 |
| Risk-weighted assets | 326,718,000 | 308,519,000 | 313,455,000 | 321,541,000 |