Call reports 2011
CITIZENS FIRST BANK — 2011
What CITIZENS FIRST BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 137,264,000 | 137,149,000 | 140,689,000 | 143,619,000 |
| Total loans | 107,483,000 | 109,789,000 | 111,687,000 | 113,753,000 |
| Allowance for loan losses | 1,094,000 | 1,218,000 | 1,240,000 | 1,151,000 |
| Securities available for sale | 15,751,000 | 15,008,000 | 15,067,000 | 12,750,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,723,000 | 122,586,000 | 124,983,000 | 128,013,000 |
| Interest-bearing deposits | 111,296,000 | 110,595,000 | 111,549,000 | 114,670,000 |
| Noninterest-bearing deposits | 11,427,000 | 11,991,000 | 13,434,000 | 13,343,000 |
| Equity capital | 13,181,000 | 13,178,000 | 13,857,000 | 14,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,659,000 | 3,400,000 | 5,131,000 | 6,885,000 |
| Interest expense | 401,000 | 792,000 | 1,166,000 | 1,519,000 |
| Net interest income | 1,258,000 | 2,608,000 | 3,965,000 | 5,366,000 |
| Noninterest income | 245,000 | 514,000 | 796,000 | 1,171,000 |
| Noninterest expense | 1,021,000 | 2,043,000 | 3,050,000 | 4,196,000 |
| Provision for loan losses | 300,000 | 420,000 | 440,000 | 580,000 |
| Pretax income | 177,000 | 654,000 | 1,271,000 | 1,778,000 |
| Income tax | 4,000 | 9,000 | 36,000 | 77,000 |
| Net income | 173,000 | 645,000 | 1,235,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,090,000 | 12,888,000 | 13,477,000 | 13,944,000 |
| Total capital | 14,184,000 | 14,106,000 | 14,717,000 | 15,095,000 |
| Risk-weighted assets | 135,690,000 | 135,815,000 | 139,899,000 | 141,899,000 |