Call reports 2008
CITIZENS FIRST BANK — 2008
What CITIZENS FIRST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,064,832,000 | 1,060,107,000 | 1,012,733,000 | 1,022,243,000 |
| Total loans | 460,251,000 | 464,083,000 | 454,956,000 | 464,581,000 |
| Allowance for loan losses | 7,799,000 | 9,155,000 | 7,890,000 | 13,930,000 |
| Securities available for sale | 477,338,000 | 497,770,000 | 498,829,000 | 487,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 4,026,000 | 2,021,000 | 0 | 0 |
| Total deposits | 740,012,000 | 729,901,000 | 715,115,000 | 769,513,000 |
| Interest-bearing deposits | 604,265,000 | 599,286,000 | 582,860,000 | 648,317,000 |
| Noninterest-bearing deposits | 135,747,000 | 130,615,000 | 132,255,000 | 121,196,000 |
| Equity capital | 78,911,000 | 78,192,000 | 69,578,000 | 78,057,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 14,020,000 | 27,646,000 | 41,007,000 | 53,607,000 |
| Interest expense | 5,119,000 | 9,079,000 | 13,137,000 | 16,483,000 |
| Net interest income | 8,901,000 | 18,567,000 | 27,870,000 | 37,124,000 |
| Noninterest income | 1,007,000 | 1,746,000 | 2,714,000 | 1,546,000 |
| Noninterest expense | 5,508,000 | 10,794,000 | 15,851,000 | 20,632,000 |
| Provision for loan losses | 900,000 | 2,303,000 | 3,803,000 | 10,070,000 |
| Pretax income | 3,680,000 | 7,440,000 | 1,661,000 | -1,576,000 |
| Income tax | 970,000 | 1,947,000 | 2,906,000 | -2,573,000 |
| Net income | 2,710,000 | 5,493,000 | -1,245,000 | 997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,691,000 | 78,882,000 | 72,580,000 | 74,866,000 |
| Total capital | 82,490,000 | 86,665,000 | 80,115,000 | 82,536,000 |
| Risk-weighted assets | 707,568,000 | 621,287,000 | 603,869,000 | 607,321,000 |
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