Call reports 2002
CITIZENS FIRST BANK — 2002
What CITIZENS FIRST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 222,323,000 | 234,534,000 | 237,742,000 | 241,723,000 |
| Total loans | 181,541,000 | 191,288,000 | 196,736,000 | 206,896,000 |
| Allowance for loan losses | 2,546,000 | 2,522,000 | 2,669,000 | 2,805,000 |
| Securities available for sale | 27,234,000 | 27,519,000 | 25,778,000 | 22,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,696,000 | 185,299,000 | 191,538,000 | 187,833,000 |
| Interest-bearing deposits | 162,183,000 | 163,230,000 | 168,765,000 | 164,454,000 |
| Noninterest-bearing deposits | 20,513,000 | 22,069,000 | 22,773,000 | 23,379,000 |
| Equity capital | 17,005,000 | 17,684,000 | 18,244,000 | 19,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,582,000 | 7,171,000 | 10,814,000 | 14,381,000 |
| Interest expense | 1,153,000 | 2,309,000 | 3,506,000 | 4,628,000 |
| Net interest income | 2,429,000 | 4,862,000 | 7,308,000 | 9,753,000 |
| Noninterest income | 430,000 | 840,000 | 1,243,000 | 1,645,000 |
| Noninterest expense | 1,514,000 | 2,966,000 | 4,442,000 | 5,803,000 |
| Provision for loan losses | 175,000 | 355,000 | 520,000 | 710,000 |
| Pretax income | 1,170,000 | 2,381,000 | 3,589,000 | 4,885,000 |
| Income tax | 438,000 | 889,000 | 1,338,000 | 1,823,000 |
| Net income | 732,000 | 1,492,000 | 2,251,000 | 3,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,971,000 | 16,218,000 | 16,793,000 | 17,732,000 |
| Total capital | 18,088,000 | 18,423,000 | 19,150,000 | 20,103,000 |
| Risk-weighted assets | 168,893,000 | 176,087,000 | 188,216,000 | 189,283,000 |