Call reports 2001
CITIZENS FIRST BANK, INC. — 2001
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 81,044,000 | 89,227,000 | 90,620,000 | 105,004,000 |
| Total loans | 66,192,000 | 71,379,000 | 77,976,000 | 86,298,000 |
| Allowance for loan losses | 962,000 | 928,000 | 1,013,000 | 1,196,000 |
| Securities available for sale | 7,448,000 | 7,158,000 | 7,352,000 | 10,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,713,000 | 77,767,000 | 78,204,000 | 87,963,000 |
| Interest-bearing deposits | 63,175,000 | 72,201,000 | 71,638,000 | 79,341,000 |
| Noninterest-bearing deposits | 6,538,000 | 5,567,000 | 6,566,000 | 8,623,000 |
| Equity capital | 6,522,000 | 6,725,000 | 7,300,000 | 8,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,598,000 | 3,182,000 | 4,838,000 | 6,448,000 |
| Interest expense | 928,000 | 1,822,000 | 2,688,000 | 3,461,000 |
| Net interest income | 670,000 | 1,360,000 | 2,150,000 | 2,987,000 |
| Noninterest income | 77,000 | 166,000 | 253,000 | 369,000 |
| Noninterest expense | 628,000 | 1,231,000 | 1,897,000 | 2,641,000 |
| Provision for loan losses | 174,000 | 312,000 | 399,000 | 664,000 |
| Pretax income | -55,000 | -17,000 | 107,000 | 51,000 |
| Income tax | 0 | 0 | 0 | -655,000 |
| Net income | -55,000 | -17,000 | 107,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,496,000 | 6,685,000 | 7,209,000 | 7,722,000 |
| Total capital | 7,352,000 | 7,588,000 | 8,169,000 | 8,792,000 |
| Risk-weighted assets | 68,402,000 | 72,219,000 | 76,733,000 | 85,450,000 |