Call reports 2001
CITIZENS FIRST BANK — 2001
What CITIZENS FIRST BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 37,243,000 | 46,070,000 | 49,658,000 | 59,951,000 |
| Total loans | 27,141,000 | 35,425,000 | 41,986,000 | 45,147,000 |
| Allowance for loan losses | 274,000 | 354,000 | 420,000 | 424,000 |
| Securities available for sale | 2,528,000 | 3,476,000 | 4,119,000 | 6,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,542,000 | 39,441,000 | 43,077,000 | 53,374,000 |
| Interest-bearing deposits | 27,524,000 | 36,137,000 | 39,285,000 | 48,699,000 |
| Noninterest-bearing deposits | 3,018,000 | 3,304,000 | 3,792,000 | 4,675,000 |
| Equity capital | 5,028,000 | 4,880,000 | 4,846,000 | 4,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 623,000 | 1,374,000 | 2,234,000 | 3,165,000 |
| Interest expense | 356,000 | 804,000 | 1,290,000 | 1,817,000 |
| Net interest income | 267,000 | 570,000 | 944,000 | 1,348,000 |
| Noninterest income | 27,000 | 67,000 | 109,000 | 147,000 |
| Noninterest expense | 339,000 | 726,000 | 1,105,000 | 1,498,000 |
| Provision for loan losses | 0 | 90,000 | 157,000 | 201,000 |
| Pretax income | -45,000 | -179,000 | -209,000 | -204,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -45,000 | -179,000 | -209,000 | -204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,999,000 | 4,865,000 | 4,835,000 | 4,841,000 |
| Total capital | 5,273,000 | 5,219,000 | 5,255,000 | 5,265,000 |
| Risk-weighted assets | 25,608,000 | 32,156,000 | 36,482,000 | 39,514,000 |