Call reports 2005
CITIZENS FIRST BANK — 2005
What CITIZENS FIRST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 271,301,000 | 270,021,000 | 277,516,000 | 279,068,000 |
| Total loans | 238,355,000 | 236,788,000 | 246,028,000 | 246,185,000 |
| Allowance for loan losses | 2,846,000 | 2,816,000 | 2,857,000 | 2,571,000 |
| Securities available for sale | 23,448,000 | 21,920,000 | 21,387,000 | 21,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,781,000 | 204,729,000 | 197,613,000 | 204,586,000 |
| Interest-bearing deposits | 171,804,000 | 170,538,000 | 162,937,000 | 168,164,000 |
| Noninterest-bearing deposits | 35,977,000 | 34,191,000 | 34,676,000 | 36,422,000 |
| Equity capital | 21,747,000 | 22,582,000 | 22,720,000 | 22,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,656,000 | 7,460,000 | 11,479,000 | 15,689,000 |
| Interest expense | 1,114,000 | 2,287,000 | 3,612,000 | 5,124,000 |
| Net interest income | 2,542,000 | 5,173,000 | 7,867,000 | 10,565,000 |
| Noninterest income | 476,000 | 986,000 | 1,496,000 | 1,967,000 |
| Noninterest expense | 1,464,000 | 2,941,000 | 4,380,000 | 5,861,000 |
| Provision for loan losses | 45,000 | 122,000 | 173,000 | 106,000 |
| Pretax income | 1,509,000 | 3,096,000 | 4,810,000 | 6,565,000 |
| Income tax | 569,000 | 1,172,000 | 1,823,000 | 2,490,000 |
| Net income | 940,000 | 1,924,000 | 2,987,000 | 4,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,478,000 | 22,110,000 | 22,404,000 | 22,707,000 |
| Total capital | 24,290,000 | 24,901,000 | 25,261,000 | 25,278,000 |
| Risk-weighted assets | 224,976,000 | 223,220,000 | 233,496,000 | 234,044,000 |