Call reports 2007
CITIZENS FIRST BANK — 2007
What CITIZENS FIRST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 943,347,000 | 929,043,000 | 1,028,889,000 | 1,039,995,000 |
| Total loans | 404,861,000 | 422,873,000 | 442,878,000 | 442,692,000 |
| Allowance for loan losses | 6,208,000 | 6,412,000 | 6,499,000 | 6,925,000 |
| Securities available for sale | 275,412,000 | 394,014,000 | 473,471,000 | 489,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 124,586,000 | 2,993,000 | 21,915,000 | 15,976,000 |
| Total deposits | 805,632,000 | 779,112,000 | 894,990,000 | 672,831,000 |
| Interest-bearing deposits | 612,927,000 | 624,040,000 | 758,893,000 | 552,882,000 |
| Noninterest-bearing deposits | 192,705,000 | 155,072,000 | 136,097,000 | 119,949,000 |
| Equity capital | 66,783,000 | 65,134,000 | 70,508,000 | 75,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,528,000 | 25,827,000 | 40,023,000 | 54,667,000 |
| Interest expense | 4,463,000 | 9,449,000 | 15,306,000 | 21,556,000 |
| Net interest income | 8,065,000 | 16,378,000 | 24,717,000 | 33,111,000 |
| Noninterest income | 1,443,000 | 1,908,000 | 2,902,000 | 3,911,000 |
| Noninterest expense | 4,958,000 | 10,200,000 | 15,945,000 | 21,978,000 |
| Provision for loan losses | 556,000 | 814,000 | 915,000 | 1,368,000 |
| Pretax income | 3,994,000 | 7,275,000 | 10,763,000 | 13,700,000 |
| Income tax | 1,240,000 | 2,233,000 | 3,202,000 | 3,671,000 |
| Net income | 2,754,000 | 5,042,000 | 7,561,000 | 10,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,317,000 | 69,887,000 | 72,329,000 | 74,486,000 |
| Total capital | 74,525,000 | 76,299,000 | 78,828,000 | 81,411,000 |
| Risk-weighted assets | 643,634,000 | 565,858,000 | 596,780,000 | 614,201,000 |
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