Call reports 2007
CITIZENS FIRST BANK — 2007
What CITIZENS FIRST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 109,856,000 | 107,109,000 | 113,095,000 | 108,903,000 |
| Total loans | 89,690,000 | 91,859,000 | 93,701,000 | 91,638,000 |
| Allowance for loan losses | 825,000 | 869,000 | 815,000 | 788,000 |
| Securities available for sale | 7,779,000 | 7,816,000 | 7,734,000 | 8,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,912,000 | 94,243,000 | 101,319,000 | 97,561,000 |
| Interest-bearing deposits | 86,288,000 | 85,245,000 | 91,451,000 | 88,261,000 |
| Noninterest-bearing deposits | 10,624,000 | 8,998,000 | 9,868,000 | 9,300,000 |
| Equity capital | 9,033,000 | 8,866,000 | 8,802,000 | 9,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,693,000 | 3,451,000 | 5,246,000 | 7,058,000 |
| Interest expense | 866,000 | 1,752,000 | 2,669,000 | 3,572,000 |
| Net interest income | 827,000 | 1,699,000 | 2,577,000 | 3,486,000 |
| Noninterest income | 93,000 | 205,000 | 339,000 | 525,000 |
| Noninterest expense | 729,000 | 1,488,000 | 2,256,000 | 3,068,000 |
| Provision for loan losses | 34,000 | 74,000 | 105,000 | 150,000 |
| Pretax income | 157,000 | 342,000 | 555,000 | 793,000 |
| Income tax | -1,000 | 9,000 | 23,000 | 40,000 |
| Net income | 158,000 | 333,000 | 532,000 | 753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,076,000 | 8,976,000 | 8,835,000 | 9,356,000 |
| Total capital | 9,901,000 | 9,845,000 | 9,650,000 | 10,144,000 |
| Risk-weighted assets | 96,188,000 | 98,173,000 | 100,902,000 | 99,826,000 |