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Citizens First (CZFC) Annual Income Statement

Annual · GAAP · USD millions
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From Citizens First through Dec 31 2014, changes in Dec 31 2018's revenue and cost structure provide insight into profitability trends.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2018)
2018 		(Dec 31 2017) (Dec 31 2016) (Dec 31 2015) (Dec 31 2014)
Revenues
Interest and Fee Income, Loans and Leases18.57
Interest and Dividend Income, Securities, Operating1.10
Interest Income, Federal Funds Sold0.00
Other Interest and Dividend Income0.57
Total Interest Income20.23
Interest Expense, Deposits3.51
Interest Expense, Short-term Borrowings0.00
Interest Expense, Long-term Debt and Capital Securities0.97
Total Interest Expense4.48
Net Interest Income15.75
Provision for loan losses0.16
Total Net Interest Income15.59
Service Fees, Investment Banking, Brokerage and Other Transactions0.00
Sales of Products1.23
Operating Leases, Income Statement, Lease Revenue0.24
Bank Owned Life Insurance Income0.18
Gain (Loss) on Disposition of Assets and Other Investments0.00
Loss / Gain on Investment0.32
Other Non-Interest Income1.17
Total Non-interest Income3.61
Total Revenues19.19
Costs & Expenses
Salaries & employee benefits, SGA7.52
Depreciation & Amortization0.00
Communications, Occupancy and Information Technology2.59
Professional Fees0.65
Supplies and Postage Expense0.00
Federal Deposit Insurance Corporation Premium Expense0.17
Other Noninterest Expense1.84
Other loss /-income0.48
Total Operating Expenses13.25
Total Costs & Expenses17.73
Income & Taxes
Income /-loss before income taxes5.94
Income taxes expenses/-benefit1.13
Income after income taxes4.82
Net income/-loss of other equity0.00
Income /-loss after income taxes4.82
Net Income/-loss4.82
Income/-loss to shareholder4.82
Earnings Per Share
Basic EPS (excl. extra items)1.90
Basic Net EPS1.90
Basic shares outstanding (Mill. of Units)2.54
Diluted Net EPS1.89
Diluted average shares (Mill. of Units)2.55
Dividend per share0.27
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About CZFC Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

  • Source: SEC 10-K filings
  • Filed with the SEC: n/a

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.