Call reports 2003
CITIZENS FIRST BANK — 2003
What CITIZENS FIRST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 67,671,000 | 67,983,000 | 67,873,000 | 71,163,000 |
| Total loans | 45,455,000 | 47,121,000 | 50,228,000 | 51,722,000 |
| Allowance for loan losses | 467,000 | 463,000 | 523,000 | 507,000 |
| Securities available for sale | 11,821,000 | 11,977,000 | 10,199,000 | 10,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,314,000 | 62,459,000 | 62,313,000 | 64,066,000 |
| Interest-bearing deposits | 54,375,000 | 52,909,000 | 54,139,000 | 54,813,000 |
| Noninterest-bearing deposits | 7,939,000 | 9,550,000 | 8,174,000 | 9,253,000 |
| Equity capital | 4,563,000 | 4,671,000 | 4,641,000 | 5,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 989,000 | 2,022,000 | 3,082,000 | 4,134,000 |
| Interest expense | 370,000 | 722,000 | 1,030,000 | 1,339,000 |
| Net interest income | 619,000 | 1,300,000 | 2,052,000 | 2,795,000 |
| Noninterest income | 177,000 | 387,000 | 597,000 | 848,000 |
| Noninterest expense | 596,000 | 1,210,000 | 1,841,000 | 2,542,000 |
| Provision for loan losses | 14,000 | 32,000 | 120,000 | 163,000 |
| Pretax income | 186,000 | 445,000 | 688,000 | 938,000 |
| Income tax | 66,000 | 158,000 | 245,000 | 361,000 |
| Net income | 120,000 | 287,000 | 443,000 | 577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,521,000 | 4,605,000 | 4,676,000 | 5,786,000 |
| Total capital | 4,988,000 | 5,068,000 | 5,199,000 | 6,293,000 |
| Risk-weighted assets | 44,082,000 | 45,293,000 | 47,336,000 | 49,484,000 |
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