Call reports 2004
CITIZENS FIRST BANK, INC. — 2004
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 164,266,000 | 164,649,000 | 166,528,000 | 169,511,000 |
| Total loans | 141,779,000 | 138,823,000 | 141,097,000 | 147,600,000 |
| Allowance for loan losses | 1,972,000 | 1,998,000 | 1,697,000 | 1,721,000 |
| Securities available for sale | 13,692,000 | 12,860,000 | 13,111,000 | 12,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,832,000 | 133,717,000 | 131,610,000 | 131,575,000 |
| Interest-bearing deposits | 119,107,000 | 118,829,000 | 117,712,000 | 115,513,000 |
| Noninterest-bearing deposits | 11,725,000 | 14,887,000 | 13,898,000 | 16,062,000 |
| Equity capital | 12,435,000 | 12,506,000 | 16,993,000 | 17,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,062,000 | 4,137,000 | 6,319,000 | 8,620,000 |
| Interest expense | 655,000 | 1,276,000 | 1,868,000 | 2,475,000 |
| Net interest income | 1,407,000 | 2,861,000 | 4,451,000 | 6,145,000 |
| Noninterest income | 303,000 | 699,000 | 1,086,000 | 1,468,000 |
| Noninterest expense | 1,340,000 | 2,779,000 | 4,187,000 | 5,571,000 |
| Provision for loan losses | 75,000 | 120,000 | 160,000 | 165,000 |
| Pretax income | 261,000 | 627,000 | 1,156,000 | 1,843,000 |
| Income tax | 89,000 | 213,000 | 393,000 | 627,000 |
| Net income | 172,000 | 414,000 | 763,000 | 1,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,044,000 | 12,482,000 | 16,631,000 | 16,750,000 |
| Total capital | 13,763,000 | 14,176,000 | 18,328,000 | 18,471,000 |
| Risk-weighted assets | 137,248,000 | 135,246,000 | 136,650,000 | 142,238,000 |