Call reports 2001
CITIZENS FIRST BANK — 2001
What CITIZENS FIRST BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 203,465,000 | 206,408,000 | 210,609,000 | 214,517,000 |
| Total loans | 158,866,000 | 163,106,000 | 170,133,000 | 172,806,000 |
| Allowance for loan losses | 2,621,000 | 2,572,000 | 2,396,000 | 2,384,000 |
| Securities available for sale | 32,133,000 | 28,047,000 | 29,629,000 | 28,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,486,000 | 180,444,000 | 180,309,000 | 176,976,000 |
| Interest-bearing deposits | 162,302,000 | 162,269,000 | 160,790,000 | 155,820,000 |
| Noninterest-bearing deposits | 18,184,000 | 18,175,000 | 19,519,000 | 21,156,000 |
| Equity capital | 17,435,000 | 17,462,000 | 17,776,000 | 17,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,979,000 | 7,951,000 | 11,704,000 | 15,374,000 |
| Interest expense | 1,995,000 | 3,849,000 | 5,490,000 | 6,866,000 |
| Net interest income | 1,984,000 | 4,102,000 | 6,214,000 | 8,508,000 |
| Noninterest income | 331,000 | 683,000 | 1,042,000 | 1,440,000 |
| Noninterest expense | 1,308,000 | 2,666,000 | 4,067,000 | 5,472,000 |
| Provision for loan losses | 64,000 | 0 | 45,000 | 399,000 |
| Pretax income | 943,000 | 2,119,000 | 3,295,000 | 4,280,000 |
| Income tax | 344,000 | 780,000 | 1,219,000 | 1,582,000 |
| Net income | 599,000 | 1,339,000 | 2,076,000 | 2,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,930,000 | 15,959,000 | 15,986,000 | 15,955,000 |
| Total capital | 17,688,000 | 17,726,000 | 17,899,000 | 17,950,000 |
| Risk-weighted assets | 139,806,000 | 140,586,000 | 153,130,000 | 159,237,000 |