Call reports 2007
CITIZENS FIRST BANK — 2007
What CITIZENS FIRST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 119,294,000 | 123,153,000 | 125,650,000 | 128,431,000 |
| Total loans | 87,573,000 | 92,044,000 | 94,599,000 | 94,330,000 |
| Allowance for loan losses | 1,230,000 | 1,219,000 | 1,202,000 | 1,187,000 |
| Securities available for sale | 20,199,000 | 22,031,000 | 22,077,000 | 21,968,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,661,000 | 107,278,000 | 106,720,000 | 112,733,000 |
| Interest-bearing deposits | 91,612,000 | 93,839,000 | 94,852,000 | 98,828,000 |
| Noninterest-bearing deposits | 12,049,000 | 13,439,000 | 11,868,000 | 13,905,000 |
| Equity capital | 12,708,000 | 12,487,000 | 12,963,000 | 13,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,924,000 | 3,909,000 | 5,979,000 | 8,099,000 |
| Interest expense | 826,000 | 1,699,000 | 2,629,000 | 3,542,000 |
| Net interest income | 1,098,000 | 2,210,000 | 3,350,000 | 4,557,000 |
| Noninterest income | 161,000 | 406,000 | 578,000 | 792,000 |
| Noninterest expense | 940,000 | 1,974,000 | 2,920,000 | 3,984,000 |
| Provision for loan losses | 15,000 | 25,000 | 25,000 | 40,000 |
| Pretax income | 304,000 | 617,000 | 983,000 | 1,325,000 |
| Income tax | 9,000 | 16,000 | 30,000 | 29,000 |
| Net income | 295,000 | 601,000 | 953,000 | 1,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,050,000 | 11,435,000 | 11,276,000 | 11,395,000 |
| Total capital | 12,165,000 | 12,614,000 | 12,471,000 | 12,582,000 |
| Risk-weighted assets | 89,081,000 | 94,283,000 | 95,612,000 | 101,178,000 |