Call reports 2004
CITIZENS FIRST BANK — 2004
What CITIZENS FIRST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 81,566,000 | 83,035,000 | 85,980,000 | 90,002,000 |
| Total loans | 68,327,000 | 71,429,000 | 72,239,000 | 77,508,000 |
| Allowance for loan losses | 659,000 | 684,000 | 706,000 | 700,000 |
| Securities available for sale | 6,422,000 | 6,033,000 | 5,231,000 | 4,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,749,000 | 72,118,000 | 75,817,000 | 79,632,000 |
| Interest-bearing deposits | 65,118,000 | 65,189,000 | 68,552,000 | 72,790,000 |
| Noninterest-bearing deposits | 6,631,000 | 6,929,000 | 7,265,000 | 6,842,000 |
| Equity capital | 7,038,000 | 7,116,000 | 7,338,000 | 7,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,070,000 | 2,103,000 | 3,226,000 | 4,420,000 |
| Interest expense | 351,000 | 710,000 | 1,089,000 | 1,493,000 |
| Net interest income | 719,000 | 1,393,000 | 2,137,000 | 2,927,000 |
| Noninterest income | 65,000 | 188,000 | 308,000 | 422,000 |
| Noninterest expense | 553,000 | 1,127,000 | 1,772,000 | 2,420,000 |
| Provision for loan losses | 27,000 | 56,000 | 79,000 | 96,000 |
| Pretax income | 204,000 | 398,000 | 585,000 | 829,000 |
| Income tax | 10,000 | 19,000 | 29,000 | 42,000 |
| Net income | 194,000 | 379,000 | 556,000 | 787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,016,000 | 7,201,000 | 7,377,000 | 7,609,000 |
| Total capital | 7,675,000 | 7,885,000 | 8,083,000 | 8,309,000 |
| Risk-weighted assets | 63,167,000 | 68,970,000 | 70,904,000 | 76,162,000 |