Call reports 2008
CITIZENS FIRST BANK — 2008
What CITIZENS FIRST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 325,950,000 | 338,177,000 | 327,574,000 | 334,536,000 |
| Total loans | 292,245,000 | 304,442,000 | 294,985,000 | 302,801,000 |
| Allowance for loan losses | 3,235,000 | 2,686,000 | 2,433,000 | 3,422,000 |
| Securities available for sale | 23,424,000 | 22,550,000 | 22,233,000 | 23,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,574,000 | 241,119,000 | 233,530,000 | 239,869,000 |
| Interest-bearing deposits | 216,054,000 | 228,278,000 | 222,288,000 | 209,357,000 |
| Noninterest-bearing deposits | 11,520,000 | 12,841,000 | 11,242,000 | 30,512,000 |
| Equity capital | 26,635,000 | 26,929,000 | 27,489,000 | 27,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,029,000 | 9,684,000 | 14,383,000 | 18,892,000 |
| Interest expense | 2,203,000 | 4,083,000 | 5,901,000 | 7,529,000 |
| Net interest income | 2,826,000 | 5,601,000 | 8,482,000 | 11,363,000 |
| Noninterest income | 534,000 | 989,000 | 1,355,000 | 1,756,000 |
| Noninterest expense | 1,685,000 | 3,230,000 | 4,769,000 | 6,223,000 |
| Provision for loan losses | 280,000 | 751,000 | 1,392,000 | 2,482,000 |
| Pretax income | 1,395,000 | 2,609,000 | 3,676,000 | 4,414,000 |
| Income tax | 527,000 | 981,000 | 1,378,000 | 1,649,000 |
| Net income | 868,000 | 1,628,000 | 2,298,000 | 2,765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,257,000 | 26,976,000 | 27,484,000 | 26,977,000 |
| Total capital | 29,492,000 | 29,662,000 | 29,937,000 | 30,415,000 |
| Risk-weighted assets | 285,457,000 | 292,543,000 | 280,232,000 | 275,045,000 |