Call reports 2005
CITIZENS FIRST BANK — 2005
What CITIZENS FIRST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 27,488,000 | 112,076,000 | 111,997,000 | 115,916,000 |
| Total loans | 19,629,000 | 81,410,000 | 82,526,000 | 85,815,000 |
| Allowance for loan losses | 208,000 | 1,241,000 | 1,259,000 | 1,261,000 |
| Securities available for sale | 98,000 | 12,728,000 | 20,147,000 | 21,117,000 |
| Securities held to maturity | 6,170,000 | 5,970,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,698,000 | 99,207,000 | 98,980,000 | 102,109,000 |
| Interest-bearing deposits | 21,813,000 | 87,907,000 | 86,839,000 | 88,605,000 |
| Noninterest-bearing deposits | 2,885,000 | 11,300,000 | 12,140,000 | 13,504,000 |
| Equity capital | 2,660,000 | 12,179,000 | 12,154,000 | 12,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 374,000 | 3,078,000 | 4,697,000 | 6,408,000 |
| Interest expense | 106,000 | 874,000 | 1,381,000 | 1,928,000 |
| Net interest income | 268,000 | 2,204,000 | 3,316,000 | 4,480,000 |
| Noninterest income | 13,000 | 374,000 | 536,000 | 706,000 |
| Noninterest expense | 175,000 | 1,862,000 | 2,780,000 | 3,749,000 |
| Provision for loan losses | 2,000 | 47,000 | 62,000 | 77,000 |
| Pretax income | 104,000 | 669,000 | 1,010,000 | 1,343,000 |
| Income tax | 7,000 | 32,000 | 51,000 | 29,000 |
| Net income | 97,000 | 637,000 | 959,000 | 1,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,661,000 | 10,492,000 | 10,588,000 | 10,719,000 |
| Total capital | 2,869,000 | 11,475,000 | 11,609,000 | 11,780,000 |
| Risk-weighted assets | 18,358,000 | 79,015,000 | 81,457,000 | 84,734,000 |