Call reports 2008
CITIZENS FIRST NATIONAL BANK — 2008
What CITIZENS FIRST NATIONAL 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 | 187,325,000 | 186,925,000 | 183,717,000 | 182,779,000 |
| Total loans | 98,026,000 | 102,046,000 | 100,563,000 | 99,341,000 |
| Allowance for loan losses | 291,000 | 306,000 | 336,000 | 841,000 |
| Securities available for sale | 75,459,000 | 73,149,000 | 74,750,000 | 70,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,042,000 | 166,557,000 | 162,183,000 | 159,402,000 |
| Interest-bearing deposits | 153,162,000 | 150,452,000 | 148,619,000 | 145,402,000 |
| Noninterest-bearing deposits | 13,880,000 | 16,105,000 | 13,564,000 | 14,000,000 |
| Equity capital | 18,615,000 | 18,766,000 | 20,055,000 | 22,203,000 |
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 | 2,456,000 | 4,899,000 | 7,334,000 | 9,713,000 |
| Interest expense | 1,069,000 | 2,020,000 | 2,898,000 | 3,671,000 |
| Net interest income | 1,387,000 | 2,879,000 | 4,436,000 | 6,042,000 |
| Noninterest income | 304,000 | 648,000 | 995,000 | 1,942,000 |
| Noninterest expense | 991,000 | 1,904,000 | 2,891,000 | 4,120,000 |
| Provision for loan losses | 0 | 27,000 | 125,000 | 613,000 |
| Pretax income | 700,000 | 1,581,000 | 2,407,000 | 3,243,000 |
| Income tax | 35,000 | 76,000 | 127,000 | 161,000 |
| Net income | 665,000 | 1,505,000 | 2,280,000 | 3,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,835,000 | 18,676,000 | 19,451,000 | 20,252,000 |
| Total capital | 17,126,000 | 18,982,000 | 19,787,000 | 21,093,000 |
| Risk-weighted assets | 113,012,000 | 115,448,000 | 112,571,000 | 111,842,000 |
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