Call reports 2012
CITIZENS FIRST BANK — 2012
What CITIZENS FIRST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 146,565,000 | 144,406,000 | 148,571,000 | 160,920,000 |
| Total loans | 115,560,000 | 115,098,000 | 118,314,000 | 113,860,000 |
| Allowance for loan losses | 1,259,000 | 1,406,000 | 1,499,000 | 1,311,000 |
| Securities available for sale | 15,045,000 | 14,484,000 | 14,163,000 | 16,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,437,000 | 128,206,000 | 131,988,000 | 143,984,000 |
| Interest-bearing deposits | 115,241,000 | 114,294,000 | 117,458,000 | 126,893,000 |
| Noninterest-bearing deposits | 15,196,000 | 13,912,000 | 14,530,000 | 17,091,000 |
| Equity capital | 14,802,000 | 14,850,000 | 15,201,000 | 15,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,721,000 | 3,426,000 | 5,131,000 | 6,808,000 |
| Interest expense | 320,000 | 604,000 | 877,000 | 1,144,000 |
| Net interest income | 1,401,000 | 2,822,000 | 4,254,000 | 5,664,000 |
| Noninterest income | 322,000 | 722,000 | 1,229,000 | 1,757,000 |
| Noninterest expense | 998,000 | 2,068,000 | 3,123,000 | 4,488,000 |
| Provision for loan losses | 150,000 | 270,000 | 365,000 | 465,000 |
| Pretax income | 617,000 | 1,248,000 | 2,037,000 | 2,514,000 |
| Income tax | -5,000 | 30,000 | 66,000 | 98,000 |
| Net income | 622,000 | 1,218,000 | 1,971,000 | 2,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,551,000 | 14,502,000 | 14,755,000 | 15,200,000 |
| Total capital | 15,810,000 | 15,908,000 | 16,254,000 | 16,511,000 |
| Risk-weighted assets | 142,969,000 | 143,591,000 | 146,239,000 | 141,878,000 |