Call reports 2005
CITIZENS FIRST BANK — 2005
What CITIZENS FIRST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 91,259,000 | 92,573,000 | 99,453,000 | 103,654,000 |
| Total loans | 72,669,000 | 76,428,000 | 79,705,000 | 78,967,000 |
| Allowance for loan losses | 717,000 | 730,000 | 770,000 | 853,000 |
| Securities available for sale | 8,490,000 | 8,914,000 | 9,184,000 | 11,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,052,000 | 76,027,000 | 82,516,000 | 85,543,000 |
| Interest-bearing deposits | 65,206,000 | 64,839,000 | 70,119,000 | 72,357,000 |
| Noninterest-bearing deposits | 9,846,000 | 11,188,000 | 12,397,000 | 13,186,000 |
| Equity capital | 8,280,000 | 8,513,000 | 8,724,000 | 8,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,399,000 | 2,933,000 | 4,590,000 | 6,338,000 |
| Interest expense | 471,000 | 986,000 | 1,577,000 | 2,240,000 |
| Net interest income | 928,000 | 1,947,000 | 3,013,000 | 4,098,000 |
| Noninterest income | 208,000 | 459,000 | 777,000 | 1,072,000 |
| Noninterest expense | 812,000 | 1,597,000 | 2,503,000 | 3,411,000 |
| Provision for loan losses | 62,000 | 117,000 | 164,000 | 282,000 |
| Pretax income | 262,000 | 692,000 | 1,115,000 | 1,469,000 |
| Income tax | 100,000 | 265,000 | 427,000 | 506,000 |
| Net income | 162,000 | 427,000 | 688,000 | 963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,385,000 | 8,571,000 | 8,807,000 | 9,021,000 |
| Total capital | 9,102,000 | 9,301,000 | 9,577,000 | 9,874,000 |
| Risk-weighted assets | 67,389,000 | 69,418,000 | 73,822,000 | 74,978,000 |
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