Call reports 2002
CITIZENS FIRST BANK — 2002
What CITIZENS FIRST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 23,145,000 | 23,410,000 | 24,019,000 | 24,978,000 |
| Total loans | 18,672,000 | 17,766,000 | 18,400,000 | 18,312,000 |
| Allowance for loan losses | 185,000 | 194,000 | 202,000 | 202,000 |
| Securities available for sale | 199,000 | 202,000 | 204,000 | 204,000 |
| Securities held to maturity | 1,400,000 | 1,400,000 | 2,000,000 | 3,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,871,000 | 21,047,000 | 21,560,000 | 22,572,000 |
| Interest-bearing deposits | 18,223,000 | 18,454,000 | 18,601,000 | 19,576,000 |
| Noninterest-bearing deposits | 2,648,000 | 2,593,000 | 2,959,000 | 2,996,000 |
| Equity capital | 2,137,000 | 2,223,000 | 2,301,000 | 2,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 405,000 | 808,000 | 1,232,000 | 1,653,000 |
| Interest expense | 151,000 | 284,000 | 417,000 | 546,000 |
| Net interest income | 254,000 | 524,000 | 815,000 | 1,107,000 |
| Noninterest income | 12,000 | 24,000 | 35,000 | 53,000 |
| Noninterest expense | 153,000 | 306,000 | 473,000 | 640,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 104,000 | 224,000 | 350,000 | 484,000 |
| Income tax | 1,000 | -4,000 | -3,000 | 0 |
| Net income | 103,000 | 228,000 | 353,000 | 484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,138,000 | 2,222,000 | 2,297,000 | 2,308,000 |
| Total capital | 2,323,000 | 2,416,000 | 2,499,000 | 2,510,000 |
| Risk-weighted assets | 16,299,000 | 15,950,000 | 16,403,000 | 16,612,000 |