Call reports 2009
CITIZENS FIRST NATIONAL BANK — 2009
What CITIZENS FIRST NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 190,593,000 | 186,643,000 | 192,379,000 | 189,152,000 |
| Total loans | 94,989,000 | 93,739,000 | 93,625,000 | 94,438,000 |
| Allowance for loan losses | 851,000 | 865,000 | 869,000 | 870,000 |
| Securities available for sale | 73,158,000 | 80,389,000 | 84,284,000 | 80,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,497,000 | 161,927,000 | 166,815,000 | 166,233,000 |
| Interest-bearing deposits | 152,790,000 | 148,625,000 | 152,000,000 | 149,201,000 |
| Noninterest-bearing deposits | 13,707,000 | 13,302,000 | 14,815,000 | 17,032,000 |
| Equity capital | 22,898,000 | 22,735,000 | 24,288,000 | 21,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,247,000 | 4,466,000 | 6,699,000 | 8,896,000 |
| Interest expense | 681,000 | 1,305,000 | 1,897,000 | 2,453,000 |
| Net interest income | 1,566,000 | 3,161,000 | 4,802,000 | 6,443,000 |
| Noninterest income | 380,000 | 728,000 | 1,064,000 | 1,880,000 |
| Noninterest expense | 1,018,000 | 1,938,000 | 3,064,000 | 4,134,000 |
| Provision for loan losses | 51,000 | 64,000 | 76,000 | 91,000 |
| Pretax income | 877,000 | 1,887,000 | 2,726,000 | 4,098,000 |
| Income tax | 45,000 | 95,000 | 136,000 | 191,000 |
| Net income | 832,000 | 1,792,000 | 2,590,000 | 3,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,086,000 | 21,046,000 | 21,844,000 | 19,560,000 |
| Total capital | 21,937,000 | 21,911,000 | 22,713,000 | 20,430,000 |
| Risk-weighted assets | 107,139,000 | 105,786,000 | 106,785,000 | 111,815,000 |
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