Call reports 2012
CITIZENS FIRST BANK — 2012
What CITIZENS FIRST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 153,692,000 | 155,857,000 | 155,616,000 | 159,892,000 |
| Total loans | 112,701,000 | 113,740,000 | 110,167,000 | 107,681,000 |
| Allowance for loan losses | 2,287,000 | 2,362,000 | 2,428,000 | 2,446,000 |
| Securities available for sale | 28,774,000 | 30,684,000 | 31,247,000 | 35,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,150,000 | 135,747,000 | 135,010,000 | 139,462,000 |
| Interest-bearing deposits | 112,551,000 | 114,664,000 | 113,840,000 | 116,360,000 |
| Noninterest-bearing deposits | 21,599,000 | 21,083,000 | 21,170,000 | 23,102,000 |
| Equity capital | 17,163,000 | 17,605,000 | 17,944,000 | 18,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,896,000 | 3,818,000 | 5,692,000 | 7,460,000 |
| Interest expense | 328,000 | 637,000 | 936,000 | 1,212,000 |
| Net interest income | 1,568,000 | 3,181,000 | 4,756,000 | 6,248,000 |
| Noninterest income | 275,000 | 619,000 | 962,000 | 1,263,000 |
| Noninterest expense | 1,345,000 | 2,608,000 | 3,898,000 | 5,055,000 |
| Provision for loan losses | 40,000 | 136,000 | 176,000 | 176,000 |
| Pretax income | 458,000 | 1,056,000 | 1,644,000 | 2,284,000 |
| Income tax | 10,000 | 2,000 | 3,000 | 3,000 |
| Net income | 448,000 | 1,054,000 | 1,641,000 | 2,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,823,000 | 15,179,000 | 15,516,000 | 15,906,000 |
| Total capital | 16,411,000 | 16,775,000 | 17,081,000 | 17,464,000 |
| Risk-weighted assets | 125,599,000 | 126,900,000 | 123,607,000 | 122,999,000 |