Citizens first corp (CZFC)
Balance Sheet / TTM
Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Dec'10
Assets
Cash and due from financial institutions

6,998

8,875

7,523

6,546

6,303

6,444

7,452

6,769

6,715

8,542

5,353

6,259

11,430

8,865

9,501

9,438

8,513

7,962

9,010

11,055

8,166

8,572

9,167

9,165

8,076

9,549

8,657

9,478

12,155

12,439

7,385

6,181

4,435

Federal funds sold

-

10,000

-

-

-

-

-

-

-

-

-

1,095

5,305

6,390

1,705

24,100

19,905

3,360

4,230

11,775

30,095

28,490

23,360

20,800

37,545

25,250

5,565

12,540

9,820

18,110

28,755

10,140

10,376

Cash and cash equivalents

6,998

18,875

-

-

-

6,444

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash and cash equivalents

-

-

-

-

-

-

-

-

6,715

-

5,353

7,354

16,735

15,255

11,206

33,538

28,418

11,322

13,240

22,830

38,261

37,062

32,527

29,965

45,621

34,799

14,222

22,018

21,975

30,549

36,140

16,321

14,811

Interest-bearing deposits in other financial institutions

17,337

16,010

28,113

30,166

22,962

13,532

18,086

24,351

22,537

11,018

15,611

2,728

2,728

2,728

2,480

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Available-for-sale securities

45,627

47,098

45,450

46,432

46,044

48,616

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Available-for-sale securities

-

-

-

-

-

-

45,044

48,560

47,125

53,547

55,424

58,541

61,671

60,200

60,068

58,352

58,913

58,986

62,248

55,405

54,675

51,633

50,441

49,201

50,485

46,639

47,826

47,915

50,188

50,718

44,848

42,806

39,531

Loans held for sale

117

269

-

147

570

427

341

-

221

264

-

118

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

373

-

155

80

310

-

-

-

85

-

115

156

143

61

-

99

69

180

-

94

151

Loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

286

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans, net of allowance for loan losses of $4,399 and $4,373 at March 31, 2019 and December 31, 2018, respectively

373,523

367,171

365,913

378,539

384,242

369,515

357,356

355,572

360,656

354,537

338,215

342,064

325,231

325,866

322,128

309,132

314,685

313,592

305,974

306,502

296,771

290,415

296,556

300,333

294,461

293,033

299,796

294,129

297,851

288,487

275,453

264,454

263,302

Premises and equipment, net

8,790

8,861

8,930

8,988

9,060

9,140

9,115

9,212

9,310

9,390

9,461

9,543

9,892

9,998

9,971

10,649

10,776

10,758

10,801

10,880

10,970

11,054

11,172

11,294

11,421

11,568

11,595

11,704

11,808

11,849

11,944

10,068

10,352

Bank owned life insurance (BOLI)

8,751

8,705

8,660

8,615

8,571

8,528

8,483

8,439

8,394

8,351

8,307

8,262

8,218

8,174

8,129

8,084

8,039

7,993

7,947

7,900

7,853

7,806

7,756

7,704

7,648

7,587

7,522

7,456

7,390

7,324

7,255

7,186

7,051

Federal Home Loan Bank (FHLB) stock, at cost

2,065

2,065

2,065

2,065

2,065

2,053

2,053

2,053

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

2,025

Accrued interest receivable

1,651

1,683

1,596

1,549

1,518

1,681

1,505

1,435

1,386

1,622

1,547

1,536

1,463

1,680

1,597

1,499

1,443

1,527

1,638

1,536

1,444

1,554

1,648

1,666

1,582

1,660

1,807

1,761

1,823

1,858

2,088

1,916

1,940

Deferred income taxes

430

545

766

762

768

670

1,105

1,210

1,353

1,464

1,017

1,177

-

1,328

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Goodwill and other intangible assets

4,132

4,150

4,168

4,185

4,203

4,221

4,238

4,256

4,274

4,291

-

-

-

4,362

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Right of use lease asset

1,849

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deferred income taxes

-

-

-

-

-

-

-

-

-

-

-

-

1,265

-

1,517

1,545

1,350

1,479

1,596

1,614

1,759

2,279

2,728

3,222

2,436

2,180

-

-

-

2,973

-

-

-

Deferred income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,874

2,968

3,400

-

3,304

3,464

3,677

Goodwill

-

-

-

-

-

-

-

-

-

-

4,097

4,097

4,097

-

4,097

4,097

4,097

4,097

4,097

4,097

4,097

4,097

4,097

4,097

4,097

4,097

4,097

4,097

4,097

4,097

4,102

2,575

2,575

Core deposit intangible

-

-

-

-

-

-

-

-

-

-

212

230

247

-

283

300

318

336

417

499

581

665

744

828

913

997

1,082

1,170

1,258

1,346

1,435

899

1,029

Other real estate owned

-

-

-

-

-

-

-

-

-

-

0

66

100

100

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

207

212

267

198

588

598

631

833

547

517

232

191

259

214

608

637

812

901

1,368

Other assets

811

550

490

594

699

555

597

499

458

371

409

514

677

200

418

588

491

501

446

639

976

752

403

474

1,029

1,719

1,199

1,336

1,304

1,751

1,366

1,351

1,919

Total assets

472,081

475,982

473,674

488,588

487,005

465,382

455,375

462,356

464,454

455,422

441,678

438,255

434,722

432,181

424,281

430,101

431,132

412,814

411,017

414,811

420,128

410,175

410,759

411,482

422,093

406,556

394,304

396,892

403,796

403,794

390,772

354,060

349,731

Liabilities
Deposits.
Noninterest bearing

52,542

55,006

51,679

53,119

53,834

53,259

51,306

50,404

48,598

52,322

49,439

49,623

50,365

48,522

46,081

44,330

44,664

41,975

42,579

44,972

41,653

39,967

40,082

42,007

45,119

41,724

39,330

41,797

41,161

38,352

36,886

38,174

36,250

Savings, NOW and money market

191,997

192,762

188,200

188,213

183,779

175,087

172,178

175,400

174,726

173,620

155,912

163,951

172,340

168,335

154,761

158,583

153,781

148,935

138,214

139,293

146,130

143,602

121,129

110,494

114,220

111,195

100,245

107,996

114,903

116,968

108,529

78,629

72,612

Time

137,262

140,841

142,754

147,286

148,895

143,968

139,113

145,061

150,072

144,497

148,478

139,859

140,475

153,531

161,649

165,882

166,920

150,874

156,392

161,545

164,414

159,382

176,422

184,725

188,585

178,814

176,211

171,055

174,989

177,411

184,146

176,491

179,878

Total deposits

381,801

388,609

382,633

388,618

386,508

372,314

362,597

370,865

373,396

370,439

353,829

353,433

363,180

370,388

362,491

368,795

365,365

341,784

337,185

345,810

352,197

342,951

337,633

337,226

347,924

331,733

315,786

320,848

331,053

332,731

329,561

293,294

288,740

FHLB advances and other borrowings

30,000

30,000

35,000

45,000

47,000

40,000

40,000

40,000

41,000

35,000

38,000

36,000

24,000

15,000

15,500

16,000

19,500

25,500

29,000

25,300

25,300

22,000

28,000

28,300

29,300

26,000

-

-

-

-

-

-

-

Securities sold under repurchase agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

957

712

FHLB advances

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

30,000

29,000

25,000

25,000

15,000

15,000

15,000

Subordinated debentures

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

Accrued interest payable

421

410

360

347

328

285

254

229

235

220

219

223

220

213

233

242

242

231

231

239

241

243

270

283

289

238

240

247

267

275

285

325

350

Lease liability

1,892

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other liabilities

1,581

1,944

2,092

1,946

1,741

1,949

2,083

1,923

1,436

2,399

2,240

2,152

1,884

2,056

2,322

2,027

1,674

1,851

1,967

1,661

1,477

1,634

1,762

2,897

1,489

2,019

2,168

1,623

2,984

1,916

2,139

1,624

1,620

Total liabilities

420,695

425,963

425,085

440,911

440,577

419,548

409,934

418,017

421,067

413,058

399,288

396,808

394,284

392,657

385,546

392,064

391,781

374,366

373,383

378,010

384,215

371,828

372,665

373,706

384,002

364,990

353,194

356,718

364,304

364,922

351,985

316,200

311,422

Stockholders' equity
6.5% cumulative preferred stock, no par value, authorized 250 shares, aggregate liquidation preference of $7,998; issued and outstanding 0 and 237 shares at December 31, 2017 and December 31, 2016, respectively

-

-

-

-

-

-

-

-

7,016

7,261

7,261

7,261

7,261

7,659

7,659

7,659

7,659

7,659

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Commitments and contingent liabilities (Note 17)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Common stock, no par value, authorized 5,000,000 shares; issued and outstanding 2,547,402 shares at March 31, 2019 and 2,526,377 shares at December 31, 2018, respectively

33,253

33,309

33,232

33,201

33,169

33,138

33,081

33,050

26,186

25,920

25,899

25,862

25,815

25,406

25,366

25,366

27,072

27,072

27,072

27,072

27,072

27,072

27,072

27,072

27,072

27,072

27,072

27,072

27,072

27,072

27,072

27,072

27,072

Retained earnings

18,307

17,365

16,380

15,359

14,162

13,142

12,443

11,321

10,493

9,706

8,887

7,876

7,085

6,304

5,440

4,797

4,027

3,373

2,617

1,818

1,212

653

134

79

-532

-430

-902

-1,619

-2,122

-2,706

-2,876

-3,421

-4,357

Accumulated other comprehensive (loss)

-174

-655

-1,023

-883

-903

-446

-83

-32

-308

-523

343

448

277

155

270

215

593

344

286

252

-30

-303

-30

-287

645

746

774

567

400

376

473

103

-651

Total stockholders' equity

51,386

50,019

48,589

47,677

46,428

45,834

45,441

44,339

43,387

42,364

42,390

41,447

40,438

39,524

38,735

38,037

39,351

38,448

37,634

36,801

35,913

38,347

38,094

37,776

38,091

41,566

41,110

40,174

39,492

38,872

38,787

-

38,309

Total stockholders' equity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

37,860

-

Total liabilities and stockholders' equity

472,081

475,982

473,674

488,588

487,005

465,382

455,375

462,356

464,454

455,422

441,678

438,255

434,722

432,181

424,281

430,101

431,132

412,814

411,017

414,811

420,128

410,175

410,759

411,482

422,093

406,556

394,304

396,892

403,796

403,794

390,772

354,060

349,731