Call reports 2012
CITIZENS FIRST BANK — 2012
What CITIZENS FIRST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 157,414,000 | 157,577,000 | 150,700,000 | 148,619,000 |
| Total loans | 110,996,000 | 111,239,000 | 110,646,000 | 109,546,000 |
| Allowance for loan losses | 1,652,000 | 2,144,000 | 2,064,000 | 1,412,000 |
| Securities available for sale | 18,084,000 | 18,859,000 | 17,776,000 | 16,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,863,000 | 141,291,000 | 134,574,000 | 133,150,000 |
| Interest-bearing deposits | 118,890,000 | 119,727,000 | 114,136,000 | 112,335,000 |
| Noninterest-bearing deposits | 21,973,000 | 21,564,000 | 20,438,000 | 20,815,000 |
| Equity capital | 13,039,000 | 12,923,000 | 12,904,000 | 12,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,914,000 | 3,831,000 | 5,751,000 | 7,666,000 |
| Interest expense | 478,000 | 949,000 | 1,600,000 | 2,044,000 |
| Net interest income | 1,436,000 | 2,882,000 | 4,151,000 | 5,622,000 |
| Noninterest income | 379,000 | 752,000 | 1,122,000 | 1,506,000 |
| Noninterest expense | 1,480,000 | 2,963,000 | 4,623,000 | 6,760,000 |
| Provision for loan losses | 180,000 | 769,000 | 829,000 | 1,193,000 |
| Pretax income | 198,000 | -55,000 | -136,000 | -782,000 |
| Income tax | 76,000 | -21,000 | -52,000 | -327,000 |
| Net income | 122,000 | -34,000 | -84,000 | -455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,769,000 | 12,613,000 | 12,563,000 | 12,149,000 |
| Total capital | 14,131,000 | 13,978,000 | 13,899,000 | 13,466,000 |
| Risk-weighted assets | 108,646,000 | 108,583,000 | 106,161,000 | 105,272,000 |