Call reports 2008
CITIZENS FIRST BANK — 2008
What CITIZENS FIRST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 113,487,000 | 112,484,000 | 116,780,000 | 124,313,000 |
| Total loans | 94,142,000 | 97,281,000 | 97,482,000 | 98,700,000 |
| Allowance for loan losses | 829,000 | 831,000 | 869,000 | 884,000 |
| Securities available for sale | 7,942,000 | 6,578,000 | 6,439,000 | 7,452,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,017,000 | 95,283,000 | 101,964,000 | 109,994,000 |
| Interest-bearing deposits | 89,177,000 | 86,417,000 | 91,730,000 | 97,796,000 |
| Noninterest-bearing deposits | 10,840,000 | 8,866,000 | 10,234,000 | 12,198,000 |
| Equity capital | 9,343,000 | 9,911,000 | 10,174,000 | 10,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,718,000 | 3,401,000 | 5,108,000 | 6,836,000 |
| Interest expense | 850,000 | 1,626,000 | 2,342,000 | 3,077,000 |
| Net interest income | 868,000 | 1,775,000 | 2,766,000 | 3,759,000 |
| Noninterest income | 206,000 | 451,000 | 701,000 | 935,000 |
| Noninterest expense | 839,000 | 1,700,000 | 2,640,000 | 3,586,000 |
| Provision for loan losses | 43,000 | 114,000 | 149,000 | 179,000 |
| Pretax income | 192,000 | 412,000 | 678,000 | 929,000 |
| Income tax | 13,000 | 24,000 | 40,000 | 44,000 |
| Net income | 179,000 | 388,000 | 638,000 | 885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,256,000 | 9,914,000 | 10,164,000 | 10,411,000 |
| Total capital | 10,085,000 | 10,745,000 | 11,033,000 | 11,295,000 |
| Risk-weighted assets | 100,187,000 | 102,634,000 | 105,702,000 | 109,813,000 |