Call reports 2008
CITIZENS FIRST BANK — 2008
What CITIZENS FIRST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 131,403,000 | 129,816,000 | 134,013,000 | 135,583,000 |
| Total loans | 95,619,000 | 98,401,000 | 103,037,000 | 101,636,000 |
| Allowance for loan losses | 1,198,000 | 1,235,000 | 1,249,000 | 1,153,000 |
| Securities available for sale | 23,755,000 | 21,643,000 | 21,254,000 | 19,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,190,000 | 111,839,000 | 111,891,000 | 116,494,000 |
| Interest-bearing deposits | 99,368,000 | 98,765,000 | 82,203,000 | 101,755,000 |
| Noninterest-bearing deposits | 11,822,000 | 13,074,000 | 29,688,000 | 14,739,000 |
| Equity capital | 13,579,000 | 13,111,000 | 13,311,000 | 13,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,005,000 | 3,979,000 | 5,978,000 | 8,172,000 |
| Interest expense | 875,000 | 1,660,000 | 2,380,000 | 3,094,000 |
| Net interest income | 1,130,000 | 2,319,000 | 3,598,000 | 5,078,000 |
| Noninterest income | 199,000 | 403,000 | 622,000 | 813,000 |
| Noninterest expense | 976,000 | 2,077,000 | 3,192,000 | 4,074,000 |
| Provision for loan losses | 15,000 | 50,000 | 125,000 | 300,000 |
| Pretax income | 338,000 | 595,000 | 919,000 | 1,533,000 |
| Income tax | 9,000 | 16,000 | 26,000 | 42,000 |
| Net income | 329,000 | 579,000 | 893,000 | 1,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,498,000 | 11,524,000 | 11,613,000 | 11,985,000 |
| Total capital | 12,696,000 | 12,759,000 | 12,862,000 | 13,138,000 |
| Risk-weighted assets | 106,832,000 | 109,431,000 | 114,273,000 | 113,096,000 |