Call reports 2004
CITIZENS FIRST BANK — 2004
What CITIZENS FIRST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 26,353,000 | 26,736,000 | 27,482,000 | 28,374,000 |
| Total loans | 18,004,000 | 18,410,000 | 18,469,000 | 19,122,000 |
| Allowance for loan losses | 220,000 | 222,000 | 207,000 | 198,000 |
| Securities available for sale | 100,000 | 99,000 | 100,000 | 99,000 |
| Securities held to maturity | 4,869,000 | 6,569,000 | 5,969,000 | 5,970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,762,000 | 24,093,000 | 24,759,000 | 25,656,000 |
| Interest-bearing deposits | 21,215,000 | 21,298,000 | 21,501,000 | 22,028,000 |
| Noninterest-bearing deposits | 2,547,000 | 2,795,000 | 3,258,000 | 3,628,000 |
| Equity capital | 2,466,000 | 2,508,000 | 2,557,000 | 2,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 356,000 | 718,000 | 1,089,000 | 1,468,000 |
| Interest expense | 109,000 | 213,000 | 315,000 | 416,000 |
| Net interest income | 247,000 | 505,000 | 774,000 | 1,052,000 |
| Noninterest income | 23,000 | 42,000 | 51,000 | 65,000 |
| Noninterest expense | 170,000 | 347,000 | 521,000 | 695,000 |
| Provision for loan losses | 2,000 | 3,000 | 4,000 | 6,000 |
| Pretax income | 98,000 | 197,000 | 300,000 | 416,000 |
| Income tax | 5,000 | 11,000 | 16,000 | 25,000 |
| Net income | 93,000 | 186,000 | 284,000 | 391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,466,000 | 2,509,000 | 2,557,000 | 2,614,000 |
| Total capital | 2,680,000 | 2,727,000 | 2,764,000 | 2,812,000 |
| Risk-weighted assets | 17,122,000 | 17,426,000 | 17,797,000 | 18,363,000 |