Call reports 2005
CITIZENS FIRST BANK — 2005
What CITIZENS FIRST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 730,504,000 | 752,559,000 | 806,713,000 | 806,982,000 |
| Total loans | 236,528,000 | 263,454,000 | 282,314,000 | 287,265,000 |
| Allowance for loan losses | 3,859,000 | 4,001,000 | 4,063,000 | 4,483,000 |
| Securities available for sale | 445,125,000 | 406,120,000 | 432,752,000 | 459,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 619,079,000 | 627,684,000 | 652,194,000 | 670,715,000 |
| Interest-bearing deposits | 462,538,000 | 458,462,000 | 466,034,000 | 480,527,000 |
| Noninterest-bearing deposits | 156,541,000 | 169,222,000 | 186,160,000 | 190,188,000 |
| Equity capital | 49,515,000 | 53,520,000 | 53,980,000 | 54,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,074,000 | 16,752,000 | 26,189,000 | 36,481,000 |
| Interest expense | 1,735,000 | 3,754,000 | 6,028,000 | 8,602,000 |
| Net interest income | 6,339,000 | 12,998,000 | 20,161,000 | 27,879,000 |
| Noninterest income | 677,000 | 1,421,000 | 2,202,000 | 2,967,000 |
| Noninterest expense | 3,316,000 | 7,110,000 | 11,467,000 | 16,334,000 |
| Provision for loan losses | 360,000 | 519,000 | 635,000 | 1,101,000 |
| Pretax income | 3,375,000 | 6,777,000 | 10,248,000 | 13,396,000 |
| Income tax | 1,052,000 | 2,116,000 | 3,206,000 | 3,957,000 |
| Net income | 2,323,000 | 4,661,000 | 7,042,000 | 9,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,429,000 | 54,730,000 | 56,837,000 | 59,246,000 |
| Total capital | 56,288,000 | 58,731,000 | 60,900,000 | 63,729,000 |
| Risk-weighted assets | 383,401,000 | 395,939,000 | 426,968,000 | 431,725,000 |
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