Call reports 2001
CITIZENS FIRST BANK — 2001
What CITIZENS FIRST BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 51,915,000 | 52,209,000 | 53,238,000 | 54,769,000 |
| Total loans | 35,604,000 | 37,485,000 | 38,436,000 | 41,141,000 |
| Allowance for loan losses | 366,000 | 243,000 | 390,000 | 388,000 |
| Securities available for sale | 8,238,000 | 8,642,000 | 7,661,000 | 8,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,255,000 | 47,433,000 | 48,441,000 | 49,953,000 |
| Interest-bearing deposits | 41,965,000 | 42,108,000 | 43,104,000 | 44,283,000 |
| Noninterest-bearing deposits | 5,290,000 | 5,325,000 | 5,337,000 | 5,670,000 |
| Equity capital | 4,012,000 | 4,108,000 | 4,121,000 | 4,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,029,000 | 2,122,000 | 3,173,000 | 4,246,000 |
| Interest expense | 533,000 | 1,069,000 | 1,585,000 | 2,073,000 |
| Net interest income | 496,000 | 1,053,000 | 1,588,000 | 2,173,000 |
| Noninterest income | 169,000 | 301,000 | 453,000 | 605,000 |
| Noninterest expense | 489,000 | 975,000 | 1,496,000 | 2,062,000 |
| Provision for loan losses | 40,000 | 82,000 | 253,000 | 285,000 |
| Pretax income | 136,000 | 297,000 | 292,000 | 431,000 |
| Income tax | 40,000 | 107,000 | 104,000 | 156,000 |
| Net income | 96,000 | 190,000 | 188,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,994,000 | 4,088,000 | 4,086,000 | 4,173,000 |
| Total capital | 4,360,000 | 4,331,000 | 4,476,000 | 4,561,000 |
| Risk-weighted assets | 33,235,000 | 34,282,000 | 34,804,000 | 37,292,000 |
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