Call reports 2009
CITIZENS FIRST BANK — 2009
What CITIZENS FIRST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 135,352,000 | 138,407,000 | 137,954,000 | 143,763,000 |
| Total loans | 102,315,000 | 104,794,000 | 107,344,000 | 108,034,000 |
| Allowance for loan losses | 1,231,000 | 1,248,000 | 1,337,000 | 1,330,000 |
| Securities available for sale | 20,509,000 | 20,439,000 | 19,993,000 | 19,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,105,000 | 118,963,000 | 119,544,000 | 125,633,000 |
| Interest-bearing deposits | 102,878,000 | 103,949,000 | 104,058,000 | 109,079,000 |
| Noninterest-bearing deposits | 13,227,000 | 15,014,000 | 15,486,000 | 16,554,000 |
| Equity capital | 14,294,000 | 14,316,000 | 14,764,000 | 14,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,935,000 | 3,889,000 | 5,887,000 | 7,866,000 |
| Interest expense | 647,000 | 1,309,000 | 1,899,000 | 2,460,000 |
| Net interest income | 1,288,000 | 2,580,000 | 3,988,000 | 5,406,000 |
| Noninterest income | 336,000 | 642,000 | 880,000 | 1,171,000 |
| Noninterest expense | 1,185,000 | 2,361,000 | 3,521,000 | 4,713,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 375,000 |
| Pretax income | 364,000 | 711,000 | 1,122,000 | 1,497,000 |
| Income tax | 5,000 | 12,000 | 15,000 | 5,000 |
| Net income | 359,000 | 699,000 | 1,107,000 | 1,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,120,000 | 12,230,000 | 12,418,000 | 12,578,000 |
| Total capital | 13,351,000 | 13,478,000 | 13,755,000 | 13,908,000 |
| Risk-weighted assets | 114,663,000 | 124,374,000 | 127,094,000 | 122,731,000 |