Call reports 2006
CITIZENS FIRST BANK — 2006
What CITIZENS FIRST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 279,179,000 | 285,544,000 | 298,442,000 | 307,296,000 |
| Total loans | 247,216,000 | 253,210,000 | 266,914,000 | 274,861,000 |
| Allowance for loan losses | 2,576,000 | 2,537,000 | 2,646,000 | 2,747,000 |
| Securities available for sale | 20,644,000 | 21,477,000 | 21,888,000 | 22,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,060,000 | 222,738,000 | 216,128,000 | 229,613,000 |
| Interest-bearing deposits | 172,488,000 | 197,690,000 | 191,920,000 | 207,800,000 |
| Noninterest-bearing deposits | 38,572,000 | 25,048,000 | 24,208,000 | 21,813,000 |
| Equity capital | 23,028,000 | 23,041,000 | 23,294,000 | 24,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,326,000 | 8,842,000 | 13,716,000 | 18,872,000 |
| Interest expense | 1,645,000 | 3,443,000 | 5,642,000 | 8,073,000 |
| Net interest income | 2,681,000 | 5,399,000 | 8,074,000 | 10,799,000 |
| Noninterest income | 497,000 | 1,026,000 | 1,537,000 | 2,032,000 |
| Noninterest expense | 1,585,000 | 3,292,000 | 5,026,000 | 6,695,000 |
| Provision for loan losses | 0 | 30,000 | 170,000 | 445,000 |
| Pretax income | 1,593,000 | 3,103,000 | 4,415,000 | 5,691,000 |
| Income tax | 604,000 | 1,176,000 | 1,666,000 | 2,161,000 |
| Net income | 989,000 | 1,927,000 | 2,749,000 | 3,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,054,000 | 23,203,000 | 23,182,000 | 24,009,000 |
| Total capital | 25,630,000 | 25,740,000 | 25,828,000 | 26,756,000 |
| Risk-weighted assets | 234,529,000 | 241,818,000 | 257,480,000 | 262,779,000 |
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