Call reports 2008
CITIZENS FIRST BANK — 2008
What CITIZENS FIRST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 149,314,000 | 155,614,000 | 156,122,000 | 163,055,000 |
| Total loans | 105,703,000 | 106,055,000 | 110,633,000 | 113,591,000 |
| Allowance for loan losses | 979,000 | 1,017,000 | 1,041,000 | 1,246,000 |
| Securities available for sale | 16,959,000 | 21,215,000 | 19,706,000 | 22,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,725,000 | 133,269,000 | 133,727,000 | 140,631,000 |
| Interest-bearing deposits | 110,615,000 | 117,119,000 | 117,969,000 | 124,906,000 |
| Noninterest-bearing deposits | 16,110,000 | 16,150,000 | 15,758,000 | 15,725,000 |
| Equity capital | 11,777,000 | 11,689,000 | 11,701,000 | 11,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,459,000 | 4,974,000 | 7,460,000 | 9,914,000 |
| Interest expense | 1,159,000 | 2,358,000 | 3,555,000 | 4,728,000 |
| Net interest income | 1,300,000 | 2,616,000 | 3,905,000 | 5,186,000 |
| Noninterest income | 418,000 | 836,000 | 1,287,000 | 1,709,000 |
| Noninterest expense | 1,321,000 | 2,769,000 | 4,191,000 | 5,697,000 |
| Provision for loan losses | 44,000 | 116,000 | 268,000 | 556,000 |
| Pretax income | 353,000 | 567,000 | 652,000 | 561,000 |
| Income tax | 135,000 | 217,000 | 250,000 | 156,000 |
| Net income | 218,000 | 350,000 | 402,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,685,000 | 11,817,000 | 11,719,000 | 11,722,000 |
| Total capital | 12,664,000 | 12,834,000 | 12,760,000 | 12,968,000 |
| Risk-weighted assets | 104,387,000 | 105,869,000 | 108,081,000 | 110,631,000 |
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