Call reports 2006
CITIZENS FIRST BANK — 2006
What CITIZENS FIRST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 867,660,000 | 840,939,000 | 850,931,000 | 869,855,000 |
| Total loans | 312,146,000 | 347,280,000 | 375,045,000 | 387,343,000 |
| Allowance for loan losses | 4,874,000 | 5,021,000 | 5,397,000 | 5,692,000 |
| Securities available for sale | 485,458,000 | 429,097,000 | 416,583,000 | 405,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 723,853,000 | 668,384,000 | 677,766,000 | 734,331,000 |
| Interest-bearing deposits | 516,892,000 | 468,797,000 | 491,212,000 | 567,055,000 |
| Noninterest-bearing deposits | 206,961,000 | 199,587,000 | 186,554,000 | 167,276,000 |
| Equity capital | 55,600,000 | 54,354,000 | 60,105,000 | 63,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,985,000 | 22,409,000 | 34,044,000 | 46,065,000 |
| Interest expense | 3,045,000 | 6,566,000 | 10,719,000 | 15,250,000 |
| Net interest income | 7,940,000 | 15,843,000 | 23,325,000 | 30,815,000 |
| Noninterest income | 758,000 | 1,577,000 | 2,347,000 | 3,155,000 |
| Noninterest expense | 4,313,000 | 8,815,000 | 13,412,000 | 18,767,000 |
| Provision for loan losses | 447,000 | 615,000 | 1,029,000 | 1,371,000 |
| Pretax income | 3,934,000 | 7,591,000 | 10,671,000 | 13,222,000 |
| Income tax | 1,249,000 | 2,386,000 | 3,311,000 | 3,791,000 |
| Net income | 2,685,000 | 5,205,000 | 7,360,000 | 9,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,940,000 | 64,105,000 | 66,002,000 | 67,799,000 |
| Total capital | 66,814,000 | 69,126,000 | 71,399,000 | 73,491,000 |
| Risk-weighted assets | 470,026,000 | 491,089,000 | 507,337,000 | 513,507,000 |
Machine access — free, no API key
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