Call reports 2006
CITIZENS FIRST BANK — 2006
What CITIZENS FIRST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 99,758,000 | 101,436,000 | 101,865,000 | 106,015,000 |
| Total loans | 82,481,000 | 84,002,000 | 85,333,000 | 87,601,000 |
| Allowance for loan losses | 730,000 | 779,000 | 824,000 | 832,000 |
| Securities available for sale | 7,469,000 | 8,356,000 | 8,567,000 | 8,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,304,000 | 90,774,000 | 89,317,000 | 93,243,000 |
| Interest-bearing deposits | 81,749,000 | 82,236,000 | 80,149,000 | 82,653,000 |
| Noninterest-bearing deposits | 7,555,000 | 8,538,000 | 9,168,000 | 10,590,000 |
| Equity capital | 8,146,000 | 8,310,000 | 8,625,000 | 8,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,456,000 | 2,993,000 | 4,579,000 | 6,240,000 |
| Interest expense | 611,000 | 1,273,000 | 1,995,000 | 2,815,000 |
| Net interest income | 845,000 | 1,720,000 | 2,584,000 | 3,425,000 |
| Noninterest income | 76,000 | 163,000 | 270,000 | 371,000 |
| Noninterest expense | 694,000 | 1,375,000 | 2,053,000 | 2,728,000 |
| Provision for loan losses | 66,000 | 132,000 | 186,000 | 216,000 |
| Pretax income | 161,000 | 376,000 | 615,000 | 852,000 |
| Income tax | 12,000 | 25,000 | 41,000 | 53,000 |
| Net income | 149,000 | 351,000 | 574,000 | 799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,268,000 | 8,470,000 | 8,692,000 | 8,918,000 |
| Total capital | 8,998,000 | 9,249,000 | 9,516,000 | 9,750,000 |
| Risk-weighted assets | 83,042,000 | 84,142,000 | 86,732,000 | 92,682,000 |