Call reports 2011
CITIZENS FIRST BANK — 2011
What CITIZENS FIRST BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 149,888,000 | 150,876,000 | 153,074,000 | 154,801,000 |
| Total loans | 119,022,000 | 117,029,000 | 114,714,000 | 113,405,000 |
| Allowance for loan losses | 2,160,000 | 2,299,000 | 2,324,000 | 2,230,000 |
| Securities available for sale | 20,089,000 | 23,407,000 | 25,297,000 | 29,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,403,000 | 130,637,000 | 133,226,000 | 135,058,000 |
| Interest-bearing deposits | 112,837,000 | 111,671,000 | 113,767,000 | 112,648,000 |
| Noninterest-bearing deposits | 17,566,000 | 18,966,000 | 19,459,000 | 22,410,000 |
| Equity capital | 15,554,000 | 16,178,000 | 16,653,000 | 17,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,967,000 | 4,021,000 | 6,002,000 | 7,918,000 |
| Interest expense | 405,000 | 802,000 | 1,195,000 | 1,555,000 |
| Net interest income | 1,562,000 | 3,219,000 | 4,807,000 | 6,363,000 |
| Noninterest income | 218,000 | 448,000 | 736,000 | 1,112,000 |
| Noninterest expense | 1,252,000 | 2,429,000 | 3,668,000 | 4,880,000 |
| Provision for loan losses | 150,000 | 250,000 | 344,000 | 428,000 |
| Pretax income | 378,000 | 988,000 | 1,531,000 | 2,218,000 |
| Income tax | 7,000 | 14,000 | 23,000 | 13,000 |
| Net income | 371,000 | 974,000 | 1,508,000 | 2,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,505,000 | 13,883,000 | 14,192,000 | 14,600,000 |
| Total capital | 15,160,000 | 15,497,000 | 15,792,000 | 16,189,000 |
| Risk-weighted assets | 131,830,000 | 127,692,000 | 126,529,000 | 125,789,000 |