Call reports 2003
CITIZENS FIRST BANK — 2003
What CITIZENS FIRST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 25,138,000 | 26,127,000 | 25,450,000 | 26,706,000 |
| Total loans | 18,255,000 | 17,684,000 | 17,188,000 | 17,864,000 |
| Allowance for loan losses | 206,000 | 215,000 | 218,000 | 220,000 |
| Securities available for sale | 204,000 | 203,000 | 202,000 | 201,000 |
| Securities held to maturity | 2,800,000 | 2,895,000 | 5,294,000 | 5,094,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,650,000 | 23,607,000 | 22,889,000 | 24,189,000 |
| Interest-bearing deposits | 19,830,000 | 20,265,000 | 20,153,000 | 21,177,000 |
| Noninterest-bearing deposits | 2,820,000 | 3,342,000 | 2,736,000 | 3,012,000 |
| Equity capital | 2,369,000 | 2,398,000 | 2,409,000 | 2,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 402,000 | 766,000 | 1,121,000 | 1,477,000 |
| Interest expense | 123,000 | 244,000 | 363,000 | 476,000 |
| Net interest income | 279,000 | 522,000 | 758,000 | 1,001,000 |
| Noninterest income | 12,000 | 35,000 | 54,000 | 65,000 |
| Noninterest expense | 174,000 | 348,000 | 525,000 | 698,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 34,000 |
| Pretax income | 108,000 | 191,000 | 260,000 | 334,000 |
| Income tax | 0 | 4,000 | 11,000 | 19,000 |
| Net income | 108,000 | 187,000 | 249,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,365,000 | 2,395,000 | 2,407,000 | 2,423,000 |
| Total capital | 2,571,000 | 2,606,000 | 2,612,000 | 2,638,000 |
| Risk-weighted assets | 16,667,000 | 16,879,000 | 16,392,000 | 17,190,000 |