Call reports 2003
CITIZENS FIRST BANK — 2003
What CITIZENS FIRST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 72,888,000 | 70,912,000 | 72,572,000 | 76,463,000 |
| Total loans | 59,154,000 | 58,730,000 | 58,798,000 | 65,262,000 |
| Allowance for loan losses | 576,000 | 585,000 | 596,000 | 643,000 |
| Securities available for sale | 7,243,000 | 7,390,000 | 5,930,000 | 6,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,531,000 | 61,322,000 | 63,802,000 | 67,566,000 |
| Interest-bearing deposits | 55,536,000 | 54,941,000 | 57,287,000 | 61,283,000 |
| Noninterest-bearing deposits | 6,995,000 | 6,381,000 | 6,515,000 | 6,283,000 |
| Equity capital | 6,600,000 | 6,797,000 | 6,962,000 | 7,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 999,000 | 2,007,000 | 3,002,000 | 4,005,000 |
| Interest expense | 381,000 | 740,000 | 1,078,000 | 1,421,000 |
| Net interest income | 618,000 | 1,267,000 | 1,924,000 | 2,584,000 |
| Noninterest income | 49,000 | 122,000 | 234,000 | 306,000 |
| Noninterest expense | 492,000 | 998,000 | 1,520,000 | 2,056,000 |
| Provision for loan losses | 33,000 | 42,000 | 59,000 | 95,000 |
| Pretax income | 145,000 | 352,000 | 582,000 | 742,000 |
| Income tax | 0 | 0 | 4,000 | 7,000 |
| Net income | 145,000 | 352,000 | 578,000 | 735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,533,000 | 6,740,000 | 6,966,000 | 7,122,000 |
| Total capital | 7,109,000 | 7,325,000 | 7,562,000 | 7,765,000 |
| Risk-weighted assets | 51,808,000 | 51,045,000 | 53,364,000 | 59,025,000 |