Call reports 2009
CITIZENS FIRST BANK — 2009
What CITIZENS FIRST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 343,310,000 | 362,814,000 | 366,970,000 | 359,404,000 |
| Total loans | 301,318,000 | 307,917,000 | 302,530,000 | 300,301,000 |
| Allowance for loan losses | 3,626,000 | 4,547,000 | 6,200,000 | 7,092,000 |
| Securities available for sale | 22,798,000 | 21,584,000 | 18,855,000 | 19,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,966,000 | 285,677,000 | 286,521,000 | 278,941,000 |
| Interest-bearing deposits | 230,668,000 | 251,558,000 | 252,831,000 | 246,481,000 |
| Noninterest-bearing deposits | 33,298,000 | 34,119,000 | 33,690,000 | 32,460,000 |
| Equity capital | 27,489,000 | 26,430,000 | 30,312,000 | 30,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,080,000 | 8,202,000 | 12,447,000 | 16,621,000 |
| Interest expense | 1,410,000 | 2,824,000 | 4,202,000 | 5,457,000 |
| Net interest income | 2,670,000 | 5,378,000 | 8,245,000 | 11,164,000 |
| Noninterest income | 478,000 | 545,000 | 1,016,000 | 1,529,000 |
| Noninterest expense | 1,551,000 | 3,402,000 | 5,025,000 | 6,695,000 |
| Provision for loan losses | 362,000 | 1,308,000 | 3,235,000 | 4,454,000 |
| Pretax income | 1,235,000 | 1,213,000 | 1,113,000 | 1,656,000 |
| Income tax | 462,000 | 426,000 | 350,000 | 515,000 |
| Net income | 773,000 | 787,000 | 763,000 | 1,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,890,000 | 25,975,000 | 29,854,000 | 30,247,000 |
| Total capital | 30,393,000 | 29,547,000 | 33,415,000 | 33,818,000 |
| Risk-weighted assets | 280,077,000 | 284,767,000 | 282,220,000 | 282,138,000 |
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