Call reports 2007
CITIZENS FIRST BANK — 2007
What CITIZENS FIRST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 128,257,000 | 135,624,000 | 136,867,000 | 136,727,000 |
| Total loans | 94,631,000 | 98,861,000 | 103,510,000 | 107,028,000 |
| Allowance for loan losses | 981,000 | 1,035,000 | 1,036,000 | 1,115,000 |
| Securities available for sale | 15,499,000 | 16,272,000 | 15,216,000 | 11,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,877,000 | 115,665,000 | 116,653,000 | 116,432,000 |
| Interest-bearing deposits | 92,749,000 | 99,617,000 | 100,649,000 | 100,816,000 |
| Noninterest-bearing deposits | 16,128,000 | 16,048,000 | 16,004,000 | 15,616,000 |
| Equity capital | 10,545,000 | 10,820,000 | 11,193,000 | 11,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,318,000 | 4,854,000 | 7,515,000 | 10,130,000 |
| Interest expense | 990,000 | 2,128,000 | 3,321,000 | 4,516,000 |
| Net interest income | 1,328,000 | 2,726,000 | 4,194,000 | 5,614,000 |
| Noninterest income | 323,000 | 702,000 | 1,025,000 | 1,367,000 |
| Noninterest expense | 1,099,000 | 2,282,000 | 3,466,000 | 4,672,000 |
| Provision for loan losses | 49,000 | 117,000 | 229,000 | 462,000 |
| Pretax income | 503,000 | 1,029,000 | 1,524,000 | 1,847,000 |
| Income tax | 191,000 | 394,000 | 584,000 | 646,000 |
| Net income | 312,000 | 635,000 | 940,000 | 1,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,578,000 | 10,901,000 | 11,206,000 | 11,467,000 |
| Total capital | 11,559,000 | 11,936,000 | 12,242,000 | 12,582,000 |
| Risk-weighted assets | 91,662,000 | 95,650,000 | 100,263,000 | 102,569,000 |
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