Call reports 2004
CITIZENS FIRST BANK — 2004
What CITIZENS FIRST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 558,082,000 | 636,837,000 | 634,469,000 | 675,813,000 |
| Total loans | 183,409,000 | 199,105,000 | 217,918,000 | 226,454,000 |
| Allowance for loan losses | 3,033,000 | 3,177,000 | 3,525,000 | 3,529,000 |
| Securities available for sale | 337,087,000 | 391,012,000 | 363,267,000 | 414,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 475,668,000 | 529,983,000 | 524,522,000 | 559,848,000 |
| Interest-bearing deposits | 346,183,000 | 390,954,000 | 383,251,000 | 417,535,000 |
| Noninterest-bearing deposits | 129,485,000 | 139,029,000 | 141,271,000 | 142,313,000 |
| Equity capital | 47,574,000 | 40,822,000 | 48,700,000 | 50,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,976,000 | 12,350,000 | 19,518,000 | 27,042,000 |
| Interest expense | 1,056,000 | 2,231,000 | 3,651,000 | 5,190,000 |
| Net interest income | 4,920,000 | 10,119,000 | 15,867,000 | 21,852,000 |
| Noninterest income | 586,000 | 1,263,000 | 1,929,000 | 2,579,000 |
| Noninterest expense | 2,964,000 | 6,054,000 | 9,191,000 | 13,160,000 |
| Provision for loan losses | 125,000 | 488,000 | 858,000 | 868,000 |
| Pretax income | 2,257,000 | 4,731,000 | 7,705,000 | 10,361,000 |
| Income tax | 611,000 | 1,303,000 | 2,174,000 | 2,866,000 |
| Net income | 1,646,000 | 3,428,000 | 5,531,000 | 7,495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,077,000 | 46,540,000 | 48,442,000 | 50,386,000 |
| Total capital | 48,135,000 | 49,717,000 | 51,967,000 | 53,915,000 |
| Risk-weighted assets | 276,062,000 | 309,607,000 | 321,053,000 | 337,229,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS FIRST BANK — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.