Call reports 2002
CITIZENS FIRST BANK — 2002
What CITIZENS FIRST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 279,383,000 | 306,375,000 | 347,102,000 | 392,084,000 |
| Total loans | 136,123,000 | 141,302,000 | 141,226,000 | 149,055,000 |
| Allowance for loan losses | 2,018,000 | 2,294,000 | 2,400,000 | 2,465,000 |
| Securities available for sale | 112,162,000 | 122,402,000 | 172,562,000 | 202,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,117,000 | 268,074,000 | 305,451,000 | 329,604,000 |
| Interest-bearing deposits | 183,806,000 | 199,499,000 | 234,970,000 | 253,471,000 |
| Noninterest-bearing deposits | 63,311,000 | 68,575,000 | 70,481,000 | 76,133,000 |
| Equity capital | 18,412,000 | 22,400,000 | 24,588,000 | 25,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,705,000 | 7,789,000 | 12,098,000 | 16,530,000 |
| Interest expense | 1,153,000 | 2,328,000 | 3,653,000 | 5,045,000 |
| Net interest income | 2,552,000 | 5,461,000 | 8,445,000 | 11,485,000 |
| Noninterest income | 785,000 | 1,758,000 | 2,838,000 | 4,174,000 |
| Noninterest expense | 2,003,000 | 4,183,000 | 6,535,000 | 9,211,000 |
| Provision for loan losses | 50,000 | 325,000 | 445,000 | 530,000 |
| Pretax income | 1,284,000 | 2,724,000 | 4,342,000 | 5,960,000 |
| Income tax | 383,000 | 817,000 | 1,316,000 | 1,807,000 |
| Net income | 901,000 | 1,907,000 | 3,026,000 | 4,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,816,000 | 21,755,000 | 22,790,000 | 23,933,000 |
| Total capital | 20,724,000 | 23,804,000 | 24,976,000 | 26,435,000 |
| Risk-weighted assets | 152,518,000 | 163,664,000 | 173,967,000 | 200,573,000 |
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