Call reports 2011
CITIZENS FIRST BANK — 2011
What CITIZENS FIRST BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 155,758,000 | 152,687,000 | 154,099,000 | 155,759,000 |
| Total loans | 111,519,000 | 111,520,000 | 114,273,000 | 112,154,000 |
| Allowance for loan losses | 1,687,000 | 1,680,000 | 1,865,000 | 1,534,000 |
| Securities available for sale | 16,830,000 | 16,753,000 | 15,930,000 | 17,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,977,000 | 136,214,000 | 137,409,000 | 139,410,000 |
| Interest-bearing deposits | 118,303,000 | 116,654,000 | 117,502,000 | 118,540,000 |
| Noninterest-bearing deposits | 20,674,000 | 19,560,000 | 19,907,000 | 20,870,000 |
| Equity capital | 12,564,000 | 12,521,000 | 12,662,000 | 12,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,059,000 | 4,065,000 | 6,141,000 | 8,128,000 |
| Interest expense | 626,000 | 1,196,000 | 1,715,000 | 2,218,000 |
| Net interest income | 1,433,000 | 2,869,000 | 4,426,000 | 5,910,000 |
| Noninterest income | 409,000 | 802,000 | 1,175,000 | 1,614,000 |
| Noninterest expense | 1,461,000 | 3,348,000 | 4,874,000 | 6,438,000 |
| Provision for loan losses | 355,000 | 618,000 | 949,000 | 1,070,000 |
| Pretax income | 26,000 | -295,000 | -222,000 | 16,000 |
| Income tax | 10,000 | -113,000 | -85,000 | -94,000 |
| Net income | 16,000 | -182,000 | -137,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,552,000 | 12,354,000 | 12,399,000 | 12,646,000 |
| Total capital | 13,926,000 | 13,708,000 | 13,778,000 | 14,017,000 |
| Risk-weighted assets | 109,572,000 | 108,009,000 | 109,792,000 | 109,484,000 |