Call reports 2006
CITIZENS FIRST BANK — 2006
What CITIZENS FIRST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 111,262,000 | 110,902,000 | 113,810,000 | 115,581,000 |
| Total loans | 80,467,000 | 85,743,000 | 89,734,000 | 92,053,000 |
| Allowance for loan losses | 837,000 | 831,000 | 860,000 | 975,000 |
| Securities available for sale | 14,263,000 | 12,748,000 | 11,298,000 | 11,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,969,000 | 91,204,000 | 95,163,000 | 96,779,000 |
| Interest-bearing deposits | 78,779,000 | 76,923,000 | 79,444,000 | 80,654,000 |
| Noninterest-bearing deposits | 14,190,000 | 14,281,000 | 15,719,000 | 16,125,000 |
| Equity capital | 9,188,000 | 9,498,000 | 9,911,000 | 10,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,856,000 | 3,925,000 | 5,997,000 | 8,236,000 |
| Interest expense | 729,000 | 1,490,000 | 2,268,000 | 3,126,000 |
| Net interest income | 1,127,000 | 2,435,000 | 3,729,000 | 5,110,000 |
| Noninterest income | 316,000 | 673,000 | 1,003,000 | 1,335,000 |
| Noninterest expense | 958,000 | 2,004,000 | 3,053,000 | 4,141,000 |
| Provision for loan losses | 46,000 | 106,000 | 140,000 | 332,000 |
| Pretax income | 439,000 | 998,000 | 1,539,000 | 1,972,000 |
| Income tax | 168,000 | 382,000 | 589,000 | 722,000 |
| Net income | 271,000 | 616,000 | 950,000 | 1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,292,000 | 9,637,000 | 9,966,000 | 10,266,000 |
| Total capital | 10,129,000 | 10,468,000 | 10,826,000 | 11,241,000 |
| Risk-weighted assets | 77,413,000 | 82,040,000 | 84,992,000 | 86,832,000 |
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