Call reports 2001
CITIZENS FIRST BANK — 2001
What CITIZENS FIRST BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 21,349,000 | 22,426,000 | 23,331,000 | 23,830,000 |
| Total loans | 16,879,000 | 17,470,000 | 18,357,000 | 17,976,000 |
| Allowance for loan losses | 155,000 | 161,000 | 166,000 | 174,000 |
| Securities available for sale | 302,000 | 102,000 | 102,000 | 101,000 |
| Securities held to maturity | 1,300,000 | 800,000 | 1,100,000 | 1,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,204,000 | 20,274,000 | 21,095,000 | 21,585,000 |
| Interest-bearing deposits | 16,699,000 | 17,453,000 | 17,779,000 | 18,467,000 |
| Noninterest-bearing deposits | 2,505,000 | 2,821,000 | 3,316,000 | 3,118,000 |
| Equity capital | 1,922,000 | 1,951,000 | 1,999,000 | 2,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 425,000 | 862,000 | 1,310,000 | 1,761,000 |
| Interest expense | 213,000 | 436,000 | 636,000 | 823,000 |
| Net interest income | 212,000 | 426,000 | 674,000 | 938,000 |
| Noninterest income | 13,000 | 24,000 | 35,000 | 56,000 |
| Noninterest expense | 145,000 | 295,000 | 444,000 | 593,000 |
| Provision for loan losses | 6,000 | 12,000 | 19,000 | 28,000 |
| Pretax income | 74,000 | 143,000 | 246,000 | 373,000 |
| Income tax | 27,000 | 52,000 | 92,000 | 143,000 |
| Net income | 47,000 | 91,000 | 154,000 | 230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,921,000 | 1,951,000 | 1,998,000 | 2,059,000 |
| Total capital | 2,076,000 | 2,112,000 | 2,164,000 | 2,233,000 |
| Risk-weighted assets | 14,403,000 | 15,326,000 | 16,100,000 | 16,039,000 |