Call reports 2003
CITIZENS FIRST BANK — 2003
What CITIZENS FIRST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 492,902,000 | 498,288,000 | 485,165,000 | 531,871,000 |
| Total loans | 151,476,000 | 154,027,000 | 159,265,000 | 174,429,000 |
| Allowance for loan losses | 2,760,000 | 2,788,000 | 2,753,000 | 2,931,000 |
| Securities available for sale | 247,784,000 | 290,320,000 | 293,614,000 | 321,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,372,000 | 419,951,000 | 420,994,000 | 439,170,000 |
| Interest-bearing deposits | 325,216,000 | 330,943,000 | 317,935,000 | 327,003,000 |
| Noninterest-bearing deposits | 87,156,000 | 89,008,000 | 103,059,000 | 112,167,000 |
| Equity capital | 34,515,000 | 37,036,000 | 34,457,000 | 36,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,527,000 | 9,586,000 | 14,391,000 | 20,086,000 |
| Interest expense | 1,294,000 | 2,682,000 | 3,805,000 | 4,859,000 |
| Net interest income | 3,233,000 | 6,904,000 | 10,586,000 | 15,227,000 |
| Noninterest income | 847,000 | 1,425,000 | 2,021,000 | 2,611,000 |
| Noninterest expense | 2,572,000 | 5,176,000 | 7,918,000 | 10,961,000 |
| Provision for loan losses | 327,000 | 403,000 | 421,000 | 645,000 |
| Pretax income | 1,336,000 | 2,891,000 | 4,487,000 | 6,382,000 |
| Income tax | 337,000 | 710,000 | 1,083,000 | 1,462,000 |
| Net income | 999,000 | 2,181,000 | 3,404,000 | 4,920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,261,000 | 34,373,000 | 35,620,000 | 37,007,000 |
| Total capital | 36,058,000 | 37,175,000 | 38,376,000 | 39,938,000 |
| Risk-weighted assets | 228,823,000 | 238,345,000 | 243,649,000 | 265,999,000 |
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