Call reports 2011
CITIZENS FIRST BANK — 2011
What CITIZENS FIRST BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,285,782,000 | 1,271,816,000 | 1,303,860,000 | 1,353,408,000 |
| Total loans | 369,031,000 | 363,612,000 | 359,236,000 | 349,721,000 |
| Allowance for loan losses | 16,622,000 | 18,085,000 | 19,537,000 | 18,037,000 |
| Securities available for sale | 781,406,000 | 783,494,000 | 823,302,000 | 877,719,000 |
| Securities held to maturity | 46,762,000 | 46,689,000 | 70,453,000 | 76,151,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,089,416,000 | 1,107,342,000 | 1,146,032,000 | 1,165,290,000 |
| Interest-bearing deposits | 901,616,000 | 927,307,000 | 948,836,000 | 964,131,000 |
| Noninterest-bearing deposits | 187,800,000 | 180,034,000 | 197,196,000 | 201,159,000 |
| Equity capital | 89,018,000 | 96,485,000 | 104,592,000 | 111,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 11,614,000 | 24,551,000 | 37,428,000 | 50,023,000 |
| Interest expense | 1,468,000 | 2,966,000 | 4,289,000 | 5,381,000 |
| Net interest income | 10,146,000 | 21,585,000 | 33,139,000 | 44,642,000 |
| Noninterest income | 1,036,000 | 2,286,000 | 2,863,000 | 3,819,000 |
| Noninterest expense | 5,007,000 | 9,909,000 | 14,389,000 | 19,143,000 |
| Provision for loan losses | 3,750,000 | 6,660,000 | 9,360,000 | 9,367,000 |
| Pretax income | 2,442,000 | 8,097,000 | 13,519,000 | 21,243,000 |
| Income tax | 588,000 | 2,396,000 | 4,121,000 | 6,312,000 |
| Net income | 1,854,000 | 5,701,000 | 9,398,000 | 14,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,319,000 | 85,167,000 | 90,162,000 | 95,780,000 |
| Total capital | 89,507,000 | 93,060,000 | 97,909,000 | 103,674,000 |
| Risk-weighted assets | 646,638,000 | 621,247,000 | 607,950,000 | 621,350,000 |
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