Call reports 2009
CITIZENS FIRST BANK — 2009
What CITIZENS FIRST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 166,375,000 | 163,369,000 | 164,184,000 | 160,913,000 |
| Total loans | 114,639,000 | 120,250,000 | 119,454,000 | 116,659,000 |
| Allowance for loan losses | 1,508,000 | 1,550,000 | 1,463,000 | 1,487,000 |
| Securities available for sale | 24,049,000 | 18,635,000 | 17,130,000 | 16,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,685,000 | 146,859,000 | 146,303,000 | 144,117,000 |
| Interest-bearing deposits | 131,822,000 | 129,949,000 | 129,789,000 | 126,573,000 |
| Noninterest-bearing deposits | 16,863,000 | 16,910,000 | 16,514,000 | 17,544,000 |
| Equity capital | 11,558,000 | 11,259,000 | 11,446,000 | 11,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,348,000 | 4,658,000 | 7,028,000 | 9,358,000 |
| Interest expense | 1,120,000 | 2,155,000 | 3,135,000 | 4,062,000 |
| Net interest income | 1,228,000 | 2,503,000 | 3,893,000 | 5,296,000 |
| Noninterest income | 381,000 | 785,000 | 1,235,000 | 1,709,000 |
| Noninterest expense | 1,506,000 | 2,970,000 | 4,493,000 | 6,013,000 |
| Provision for loan losses | 362,000 | 486,000 | 793,000 | 1,132,000 |
| Pretax income | -259,000 | -788,000 | -787,000 | -769,000 |
| Income tax | -99,000 | -301,000 | -301,000 | -361,000 |
| Net income | -160,000 | -487,000 | -486,000 | -408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,562,000 | 11,235,000 | 11,236,000 | 11,314,000 |
| Total capital | 12,971,000 | 12,674,000 | 12,664,000 | 12,725,000 |
| Risk-weighted assets | 112,656,000 | 115,475,000 | 114,268,000 | 112,777,000 |