Call reports 2005
CITIZENS FIRST BANK — 2005
What CITIZENS FIRST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 95,357,000 | 94,384,000 | 98,274,000 | 97,634,000 |
| Total loans | 80,067,000 | 81,311,000 | 82,039,000 | 81,844,000 |
| Allowance for loan losses | 732,000 | 755,000 | 683,000 | 664,000 |
| Securities available for sale | 5,212,000 | 6,239,000 | 6,354,000 | 5,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,119,000 | 84,813,000 | 87,465,000 | 86,625,000 |
| Interest-bearing deposits | 76,642,000 | 77,004,000 | 78,773,000 | 77,958,000 |
| Noninterest-bearing deposits | 8,477,000 | 7,809,000 | 8,692,000 | 8,667,000 |
| Equity capital | 7,494,000 | 7,793,000 | 7,990,000 | 8,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,256,000 | 2,600,000 | 3,993,000 | 5,427,000 |
| Interest expense | 436,000 | 915,000 | 1,442,000 | 2,009,000 |
| Net interest income | 820,000 | 1,685,000 | 2,551,000 | 3,418,000 |
| Noninterest income | 88,000 | 188,000 | 274,000 | 362,000 |
| Noninterest expense | 667,000 | 1,321,000 | 1,985,000 | 2,629,000 |
| Provision for loan losses | 34,000 | 78,000 | 121,000 | 183,000 |
| Pretax income | 207,000 | 474,000 | 719,000 | 968,000 |
| Income tax | 11,000 | 23,000 | 38,000 | 49,000 |
| Net income | 196,000 | 451,000 | 681,000 | 919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,602,000 | 7,857,000 | 8,087,000 | 8,322,000 |
| Total capital | 8,334,000 | 8,612,000 | 8,770,000 | 8,986,000 |
| Risk-weighted assets | 82,635,000 | 83,059,000 | 80,986,000 | 80,816,000 |