Call reports 2010
CITIZENS FIRST BANK — 2010
What CITIZENS FIRST BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,151,342,000 | 1,130,063,000 | 1,157,898,000 | 1,201,570,000 |
| Total loans | 403,501,000 | 401,204,000 | 391,528,000 | 383,221,000 |
| Allowance for loan losses | 9,722,000 | 14,031,000 | 16,473,000 | 19,148,000 |
| Securities available for sale | 607,164,000 | 648,997,000 | 716,033,000 | 698,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 968,758,000 | 972,646,000 | 989,625,000 | 1,049,017,000 |
| Interest-bearing deposits | 806,933,000 | 818,963,000 | 827,436,000 | 884,973,000 |
| Noninterest-bearing deposits | 161,825,000 | 153,683,000 | 162,188,000 | 164,044,000 |
| Equity capital | 84,673,000 | 89,384,000 | 89,804,000 | 86,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 11,668,000 | 23,333,000 | 35,042,000 | 46,504,000 |
| Interest expense | 2,471,000 | 4,607,000 | 6,423,000 | 8,040,000 |
| Net interest income | 9,197,000 | 18,726,000 | 28,619,000 | 38,464,000 |
| Noninterest income | 847,000 | 2,167,000 | 3,294,000 | 4,101,000 |
| Noninterest expense | 4,799,000 | 9,816,000 | 14,908,000 | 19,768,000 |
| Provision for loan losses | 7,569,000 | 12,591,000 | 18,394,000 | 21,449,000 |
| Pretax income | 143,000 | 966,000 | 1,118,000 | 4,529,000 |
| Income tax | -309,000 | -358,000 | -649,000 | 243,000 |
| Net income | 452,000 | 1,324,000 | 1,767,000 | 4,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,846,000 | 77,717,000 | 78,161,000 | 79,466,000 |
| Total capital | 84,570,000 | 85,615,000 | 85,887,000 | 87,351,000 |
| Risk-weighted assets | 615,997,000 | 625,694,000 | 609,316,000 | 619,576,000 |