Call reports 2002
CITIZENS FIRST BANK — 2002
What CITIZENS FIRST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 61,030,000 | 61,750,000 | 64,165,000 | 65,047,000 |
| Total loans | 42,393,000 | 43,301,000 | 44,606,000 | 44,774,000 |
| Allowance for loan losses | 414,000 | 424,000 | 485,000 | 483,000 |
| Securities available for sale | 9,448,000 | 10,161,000 | 9,612,000 | 9,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,204,000 | 56,826,000 | 59,054,000 | 59,811,000 |
| Interest-bearing deposits | 50,138,000 | 50,623,000 | 52,254,000 | 52,727,000 |
| Noninterest-bearing deposits | 6,066,000 | 6,203,000 | 6,800,000 | 7,084,000 |
| Equity capital | 4,211,000 | 4,301,000 | 4,408,000 | 4,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,039,000 | 2,078,000 | 3,125,000 | 4,128,000 |
| Interest expense | 443,000 | 878,000 | 1,314,000 | 1,723,000 |
| Net interest income | 596,000 | 1,200,000 | 1,811,000 | 2,405,000 |
| Noninterest income | 124,000 | 293,000 | 498,000 | 691,000 |
| Noninterest expense | 560,000 | 1,158,000 | 1,751,000 | 2,359,000 |
| Provision for loan losses | 35,000 | 121,000 | 219,000 | 288,000 |
| Pretax income | 125,000 | 214,000 | 339,000 | 477,000 |
| Income tax | 37,000 | 72,000 | 124,000 | 162,000 |
| Net income | 88,000 | 142,000 | 215,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,225,000 | 4,280,000 | 4,353,000 | 4,411,000 |
| Total capital | 4,639,000 | 4,704,000 | 4,838,000 | 4,894,000 |
| Risk-weighted assets | 39,213,000 | 40,446,000 | 42,184,000 | 42,804,000 |
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