Call reports 2004
CITIZENS FIRST BANK — 2004
What CITIZENS FIRST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 78,593,000 | 76,327,000 | 83,101,000 | 86,312,000 |
| Total loans | 56,324,000 | 61,565,000 | 64,936,000 | 68,810,000 |
| Allowance for loan losses | 537,000 | 611,000 | 670,000 | 670,000 |
| Securities available for sale | 10,014,000 | 8,753,000 | 8,068,000 | 8,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,455,000 | 63,666,000 | 66,884,000 | 70,080,000 |
| Interest-bearing deposits | 57,417,000 | 54,572,000 | 57,443,000 | 60,830,000 |
| Noninterest-bearing deposits | 9,038,000 | 9,094,000 | 9,441,000 | 9,250,000 |
| Equity capital | 5,937,000 | 5,968,000 | 8,193,000 | 8,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,101,000 | 2,257,000 | 3,509,000 | 4,828,000 |
| Interest expense | 310,000 | 667,000 | 1,056,000 | 1,499,000 |
| Net interest income | 791,000 | 1,590,000 | 2,453,000 | 3,329,000 |
| Noninterest income | 211,000 | 440,000 | 662,000 | 853,000 |
| Noninterest expense | 656,000 | 1,372,000 | 2,115,000 | 2,843,000 |
| Provision for loan losses | 60,000 | 148,000 | 223,000 | 286,000 |
| Pretax income | 293,000 | 511,000 | 778,000 | 1,051,000 |
| Income tax | 112,000 | 196,000 | 298,000 | 399,000 |
| Net income | 181,000 | 315,000 | 480,000 | 652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,912,000 | 6,047,000 | 8,152,000 | 8,249,000 |
| Total capital | 6,449,000 | 6,658,000 | 8,822,000 | 8,919,000 |
| Risk-weighted assets | 54,514,000 | 56,886,000 | 61,301,000 | 63,978,000 |
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