Call reports 2010
CITIZENS FIRST BANK — 2010
What CITIZENS FIRST BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 164,282,000 | 161,820,000 | 157,462,000 | 155,733,000 |
| Total loans | 114,592,000 | 115,134,000 | 115,418,000 | 113,862,000 |
| Allowance for loan losses | 1,379,000 | 1,142,000 | 1,207,000 | 1,436,000 |
| Securities available for sale | 20,027,000 | 19,619,000 | 17,187,000 | 17,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,142,000 | 145,022,000 | 140,026,000 | 138,980,000 |
| Interest-bearing deposits | 127,272,000 | 127,199,000 | 121,756,000 | 119,553,000 |
| Noninterest-bearing deposits | 19,870,000 | 17,823,000 | 18,270,000 | 19,427,000 |
| Equity capital | 11,511,000 | 11,755,000 | 12,901,000 | 12,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,058,000 | 4,184,000 | 6,390,000 | 8,399,000 |
| Interest expense | 815,000 | 1,596,000 | 2,326,000 | 2,988,000 |
| Net interest income | 1,243,000 | 2,588,000 | 4,064,000 | 5,411,000 |
| Noninterest income | 444,000 | 890,000 | 1,322,000 | 1,739,000 |
| Noninterest expense | 1,490,000 | 2,917,000 | 4,389,000 | 6,104,000 |
| Provision for loan losses | 45,000 | 132,000 | 279,000 | 739,000 |
| Pretax income | 152,000 | 429,000 | 758,000 | 347,000 |
| Income tax | 69,000 | 164,000 | 290,000 | 20,000 |
| Net income | 83,000 | 265,000 | 468,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,396,000 | 11,578,000 | 12,678,000 | 12,536,000 |
| Total capital | 12,775,000 | 12,720,000 | 13,885,000 | 13,925,000 |
| Risk-weighted assets | 111,833,000 | 111,709,000 | 112,374,000 | 111,097,000 |