Call reports 2002
CITIZENS FIRST BANK — 2002
What CITIZENS FIRST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 62,947,000 | 62,845,000 | 64,234,000 | 67,065,000 |
| Total loans | 46,929,000 | 48,094,000 | 54,420,000 | 53,837,000 |
| Allowance for loan losses | 444,000 | 456,000 | 546,000 | 545,000 |
| Securities available for sale | 8,314,000 | 9,947,000 | 6,896,000 | 6,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,462,000 | 56,072,000 | 55,219,000 | 57,830,000 |
| Interest-bearing deposits | 51,790,000 | 49,623,000 | 49,807,000 | 51,220,000 |
| Noninterest-bearing deposits | 4,672,000 | 6,449,000 | 5,412,000 | 6,610,000 |
| Equity capital | 4,741,000 | 5,014,000 | 6,330,000 | 6,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 954,000 | 1,935,000 | 2,945,000 | 3,972,000 |
| Interest expense | 503,000 | 970,000 | 1,408,000 | 1,836,000 |
| Net interest income | 451,000 | 965,000 | 1,537,000 | 2,136,000 |
| Noninterest income | 40,000 | 81,000 | 143,000 | 196,000 |
| Noninterest expense | 417,000 | 829,000 | 1,258,000 | 1,734,000 |
| Provision for loan losses | 55,000 | 121,000 | 216,000 | 216,000 |
| Pretax income | 31,000 | 108,000 | 258,000 | 427,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 31,000 | 108,000 | 258,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,872,000 | 4,949,000 | 6,219,000 | 6,388,000 |
| Total capital | 5,316,000 | 5,405,000 | 6,765,000 | 6,933,000 |
| Risk-weighted assets | 40,905,000 | 41,543,000 | 46,692,000 | 46,682,000 |