Call reports 2010
CITIZENS FIRST BANK — 2010
What CITIZENS FIRST BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 131,574,000 | 131,770,000 | 131,774,000 | 137,978,000 |
| Total loans | 104,205,000 | 106,676,000 | 108,853,000 | 107,108,000 |
| Allowance for loan losses | 982,000 | 1,085,000 | 1,165,000 | 798,000 |
| Securities available for sale | 13,833,000 | 9,735,000 | 10,733,000 | 13,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,098,000 | 114,865,000 | 115,905,000 | 122,216,000 |
| Interest-bearing deposits | 105,014,000 | 103,474,000 | 104,155,000 | 108,887,000 |
| Noninterest-bearing deposits | 10,084,000 | 11,391,000 | 11,750,000 | 13,329,000 |
| Equity capital | 12,149,000 | 12,562,000 | 12,815,000 | 12,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,670,000 | 3,424,000 | 5,201,000 | 6,964,000 |
| Interest expense | 573,000 | 1,071,000 | 1,519,000 | 1,929,000 |
| Net interest income | 1,097,000 | 2,353,000 | 3,682,000 | 5,035,000 |
| Noninterest income | 203,000 | 481,000 | 907,000 | 1,341,000 |
| Noninterest expense | 962,000 | 1,954,000 | 3,005,000 | 4,105,000 |
| Provision for loan losses | 75,000 | 180,000 | 280,000 | 555,000 |
| Pretax income | 263,000 | 700,000 | 1,304,000 | 1,716,000 |
| Income tax | 14,000 | 35,000 | 65,000 | 102,000 |
| Net income | 249,000 | 665,000 | 1,239,000 | 1,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,986,000 | 12,344,000 | 12,542,000 | 12,917,000 |
| Total capital | 12,968,000 | 13,429,000 | 13,707,000 | 13,715,000 |
| Risk-weighted assets | 126,730,000 | 128,399,000 | 133,033,000 | 135,813,000 |