Call reports 2007
CITIZENS FIRST BANK — 2007
What CITIZENS FIRST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 310,286,000 | 319,126,000 | 318,658,000 | 323,112,000 |
| Total loans | 275,020,000 | 282,872,000 | 282,313,000 | 288,926,000 |
| Allowance for loan losses | 2,939,000 | 2,926,000 | 3,004,000 | 2,992,000 |
| Securities available for sale | 22,839,000 | 24,465,000 | 25,003,000 | 24,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,606,000 | 242,779,000 | 232,586,000 | 219,587,000 |
| Interest-bearing deposits | 220,981,000 | 217,453,000 | 219,277,000 | 207,818,000 |
| Noninterest-bearing deposits | 25,625,000 | 25,326,000 | 13,309,000 | 11,769,000 |
| Equity capital | 24,629,000 | 25,129,000 | 25,540,000 | 26,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,172,000 | 10,589,000 | 16,116,000 | 21,518,000 |
| Interest expense | 2,483,000 | 5,077,000 | 7,738,000 | 10,278,000 |
| Net interest income | 2,689,000 | 5,512,000 | 8,378,000 | 11,240,000 |
| Noninterest income | 508,000 | 1,069,000 | 1,733,000 | 2,303,000 |
| Noninterest expense | 1,716,000 | 3,387,000 | 5,054,000 | 6,707,000 |
| Provision for loan losses | 235,000 | 241,000 | 517,000 | 538,000 |
| Pretax income | 1,246,000 | 2,953,000 | 4,540,000 | 6,298,000 |
| Income tax | 470,000 | 1,118,000 | 1,719,000 | 2,361,000 |
| Net income | 776,000 | 1,835,000 | 2,821,000 | 3,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,491,000 | 25,224,000 | 25,380,000 | 25,908,000 |
| Total capital | 27,430,000 | 28,150,000 | 28,384,000 | 28,900,000 |
| Risk-weighted assets | 254,964,000 | 264,012,000 | 267,618,000 | 273,107,000 |