Call reports 2003
CITIZENS FIRST BANK — 2003
What CITIZENS FIRST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 247,016,000 | 255,788,000 | 254,811,000 | 259,861,000 |
| Total loans | 215,053,000 | 221,039,000 | 222,043,000 | 226,487,000 |
| Allowance for loan losses | 2,761,000 | 2,878,000 | 2,780,000 | 2,622,000 |
| Securities available for sale | 21,741,000 | 22,924,000 | 23,692,000 | 23,103,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,739,000 | 201,404,000 | 196,306,000 | 196,037,000 |
| Interest-bearing deposits | 171,281,000 | 176,052,000 | 170,056,000 | 167,589,000 |
| Noninterest-bearing deposits | 23,458,000 | 25,352,000 | 26,250,000 | 28,448,000 |
| Equity capital | 19,328,000 | 19,329,000 | 19,875,000 | 19,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,412,000 | 6,757,000 | 10,104,000 | 13,425,000 |
| Interest expense | 1,055,000 | 2,052,000 | 2,968,000 | 3,831,000 |
| Net interest income | 2,357,000 | 4,705,000 | 7,136,000 | 9,594,000 |
| Noninterest income | 464,000 | 858,000 | 1,280,000 | 1,785,000 |
| Noninterest expense | 1,422,000 | 2,863,000 | 4,279,000 | 5,832,000 |
| Provision for loan losses | 50,000 | 174,000 | 94,000 | 9,000 |
| Pretax income | 1,349,000 | 2,526,000 | 4,043,000 | 5,538,000 |
| Income tax | 505,000 | 945,000 | 1,516,000 | 2,079,000 |
| Net income | 844,000 | 1,581,000 | 2,527,000 | 3,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,057,000 | 18,164,000 | 19,001,000 | 19,241,000 |
| Total capital | 20,477,000 | 20,751,000 | 21,573,000 | 21,863,000 |
| Risk-weighted assets | 193,276,000 | 206,656,000 | 205,575,000 | 212,030,000 |