Call reports 2004
CITIZENS FIRST BANK — 2004
What CITIZENS FIRST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 265,336,000 | 271,319,000 | 273,885,000 | 274,129,000 |
| Total loans | 229,869,000 | 231,875,000 | 239,385,000 | 240,869,000 |
| Allowance for loan losses | 2,755,000 | 2,823,000 | 2,920,000 | 2,825,000 |
| Securities available for sale | 26,147,000 | 26,070,000 | 26,093,000 | 23,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,360,000 | 201,807,000 | 199,916,000 | 197,987,000 |
| Interest-bearing deposits | 163,228,000 | 168,412,000 | 167,906,000 | 170,045,000 |
| Noninterest-bearing deposits | 29,132,000 | 33,395,000 | 32,010,000 | 27,942,000 |
| Equity capital | 20,283,000 | 20,195,000 | 21,193,000 | 21,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,321,000 | 6,638,000 | 10,148,000 | 13,773,000 |
| Interest expense | 861,000 | 1,722,000 | 2,674,000 | 3,734,000 |
| Net interest income | 2,460,000 | 4,916,000 | 7,474,000 | 10,039,000 |
| Noninterest income | 436,000 | 900,000 | 1,366,000 | 1,875,000 |
| Noninterest expense | 1,483,000 | 2,909,000 | 4,433,000 | 5,854,000 |
| Provision for loan losses | 120,000 | 200,000 | 300,000 | 420,000 |
| Pretax income | 1,293,000 | 2,707,000 | 4,107,000 | 5,640,000 |
| Income tax | 484,000 | 1,016,000 | 1,541,000 | 2,122,000 |
| Net income | 809,000 | 1,691,000 | 2,566,000 | 3,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,427,000 | 19,873,000 | 20,574,000 | 20,994,000 |
| Total capital | 22,175,000 | 22,595,000 | 23,352,000 | 23,813,000 |
| Risk-weighted assets | 219,799,000 | 217,806,000 | 222,097,000 | 225,534,000 |