Call reports 2010
CITIZENS FIRST BANK — 2010
What CITIZENS FIRST BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 144,506,000 | 146,699,000 | 147,646,000 | 148,954,000 |
| Total loans | 111,458,000 | 117,495,000 | 118,323,000 | 116,393,000 |
| Allowance for loan losses | 1,379,000 | 1,540,000 | 1,710,000 | 2,003,000 |
| Securities available for sale | 19,933,000 | 18,872,000 | 19,325,000 | 20,154,000 |
| Securities held to maturity | 0 | 0 | 290,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,624,000 | 127,568,000 | 125,450,000 | 129,627,000 |
| Interest-bearing deposits | 110,871,000 | 111,681,000 | 109,844,000 | 112,978,000 |
| Noninterest-bearing deposits | 14,753,000 | 15,887,000 | 15,606,000 | 16,649,000 |
| Equity capital | 15,014,000 | 15,163,000 | 15,587,000 | 15,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,933,000 | 3,947,000 | 6,013,000 | 8,030,000 |
| Interest expense | 529,000 | 1,048,000 | 1,543,000 | 1,987,000 |
| Net interest income | 1,404,000 | 2,899,000 | 4,470,000 | 6,043,000 |
| Noninterest income | 190,000 | 481,000 | 828,000 | 1,401,000 |
| Noninterest expense | 1,142,000 | 2,381,000 | 3,638,000 | 4,799,000 |
| Provision for loan losses | 105,000 | 320,000 | 485,000 | 1,003,000 |
| Pretax income | 362,000 | 703,000 | 1,248,000 | 1,699,000 |
| Income tax | 5,000 | 14,000 | 23,000 | 18,000 |
| Net income | 357,000 | 689,000 | 1,225,000 | 1,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,710,000 | 12,817,000 | 13,128,000 | 13,359,000 |
| Total capital | 14,089,000 | 14,357,000 | 14,677,000 | 15,002,000 |
| Risk-weighted assets | 119,666,000 | 124,164,000 | 123,758,000 | 130,319,000 |