Call reports 2009
CITIZENS FIRST BANK — 2009
What CITIZENS FIRST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 126,467,000 | 125,185,000 | 123,867,000 | 134,230,000 |
| Total loans | 97,388,000 | 97,838,000 | 100,760,000 | 100,367,000 |
| Allowance for loan losses | 921,000 | 854,000 | 926,000 | 904,000 |
| Securities available for sale | 10,218,000 | 12,630,000 | 11,614,000 | 13,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,141,000 | 110,587,000 | 108,462,000 | 118,995,000 |
| Interest-bearing deposits | 100,944,000 | 99,161,000 | 98,552,000 | 108,495,000 |
| Noninterest-bearing deposits | 11,197,000 | 11,426,000 | 9,910,000 | 10,500,000 |
| Equity capital | 10,289,000 | 11,102,000 | 11,496,000 | 11,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,649,000 | 3,326,000 | 5,033,000 | 6,716,000 |
| Interest expense | 708,000 | 1,392,000 | 2,045,000 | 2,683,000 |
| Net interest income | 941,000 | 1,934,000 | 2,988,000 | 4,033,000 |
| Noninterest income | 275,000 | 595,000 | 842,000 | 1,007,000 |
| Noninterest expense | 947,000 | 1,918,000 | 2,827,000 | 3,808,000 |
| Provision for loan losses | 45,000 | 135,000 | 275,000 | 275,000 |
| Pretax income | 224,000 | 476,000 | 771,000 | 1,011,000 |
| Income tax | 11,000 | 24,000 | 38,000 | 43,000 |
| Net income | 213,000 | 452,000 | 733,000 | 968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,324,000 | 11,064,000 | 11,337,000 | 11,829,000 |
| Total capital | 11,245,000 | 11,918,000 | 12,263,000 | 12,733,000 |
| Risk-weighted assets | 112,149,000 | 117,654,000 | 121,151,000 | 124,188,000 |