Call reports 2003
CITIZENS FIRST BANK, INC. — 2003
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 130,640,000 | 154,450,000 | 162,273,000 | 163,394,000 |
| Total loans | 110,196,000 | 126,288,000 | 133,331,000 | 135,245,000 |
| Allowance for loan losses | 1,442,000 | 2,901,000 | 1,899,000 | 1,904,000 |
| Securities available for sale | 12,660,000 | 17,688,000 | 19,333,000 | 18,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,142,000 | 127,963,000 | 132,633,000 | 134,323,000 |
| Interest-bearing deposits | 96,447,000 | 117,286,000 | 121,772,000 | 119,581,000 |
| Noninterest-bearing deposits | 10,696,000 | 10,677,000 | 10,861,000 | 14,742,000 |
| Equity capital | 9,096,000 | 10,446,000 | 11,426,000 | 12,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,724,000 | 3,614,000 | 5,652,000 | 7,728,000 |
| Interest expense | 644,000 | 1,348,000 | 2,087,000 | 2,798,000 |
| Net interest income | 1,080,000 | 2,266,000 | 3,565,000 | 4,930,000 |
| Noninterest income | 276,000 | 708,000 | 1,097,000 | 1,379,000 |
| Noninterest expense | 1,005,000 | 2,320,000 | 3,544,000 | 4,881,000 |
| Provision for loan losses | 153,000 | 1,643,000 | 1,728,000 | 1,808,000 |
| Pretax income | 207,000 | -845,000 | -466,000 | -236,000 |
| Income tax | 70,000 | -288,000 | -159,000 | -81,000 |
| Net income | 137,000 | -557,000 | -307,000 | -155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,608,000 | 10,014,000 | 11,383,000 | 12,035,000 |
| Total capital | 9,956,000 | 11,552,000 | 13,019,000 | 13,697,000 |
| Risk-weighted assets | 107,772,000 | 121,685,000 | 130,641,000 | 132,707,000 |