Call reports 2012
CITIZENS FIRST BANK — 2012
What CITIZENS FIRST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,438,442,000 | 1,449,117,000 | 1,477,460,000 | 1,502,809,000 |
| Total loans | 338,462,000 | 332,880,000 | 315,577,000 | 301,700,000 |
| Allowance for loan losses | 20,834,000 | 21,688,000 | 14,503,000 | 12,043,000 |
| Securities available for sale | 905,001,000 | 903,396,000 | 647,002,000 | 636,447,000 |
| Securities held to maturity | 151,266,000 | 159,322,000 | 463,124,000 | 478,584,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,227,044,000 | 1,251,989,000 | 1,251,151,000 | 1,299,198,000 |
| Interest-bearing deposits | 1,011,124,000 | 1,023,674,000 | 1,018,428,000 | 1,054,907,000 |
| Noninterest-bearing deposits | 215,919,000 | 228,315,000 | 232,722,000 | 244,291,000 |
| Equity capital | 114,354,000 | 119,861,000 | 129,900,000 | 132,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 13,181,000 | 26,547,000 | 40,419,000 | 53,142,000 |
| Interest expense | 858,000 | 1,692,000 | 2,461,000 | 3,025,000 |
| Net interest income | 12,323,000 | 24,855,000 | 37,958,000 | 50,117,000 |
| Noninterest income | 963,000 | 1,923,000 | 2,388,000 | 3,373,000 |
| Noninterest expense | 4,489,000 | 9,091,000 | 13,613,000 | 18,854,000 |
| Provision for loan losses | 3,032,000 | 4,548,000 | 4,548,000 | 2,563,000 |
| Pretax income | 8,508,000 | 18,736,000 | 28,954,000 | 39,312,000 |
| Income tax | 2,764,000 | 6,039,000 | 9,265,000 | 12,382,000 |
| Net income | 5,744,000 | 12,697,000 | 19,689,000 | 26,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,524,000 | 105,926,000 | 111,674,000 | 115,666,000 |
| Total capital | 109,713,000 | 114,675,000 | 119,908,000 | 125,417,000 |
| Risk-weighted assets | 642,444,000 | 686,946,000 | 652,400,000 | 777,820,000 |