Call reports 2005
CITIZENS FIRST BANK, INC. — 2005
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 172,114,000 | 179,624,000 | 189,241,000 | 195,275,000 |
| Total loans | 149,484,000 | 157,046,000 | 159,736,000 | 158,190,000 |
| Allowance for loan losses | 1,767,000 | 1,891,000 | 1,950,000 | 1,957,000 |
| Securities available for sale | 12,399,000 | 12,657,000 | 12,308,000 | 12,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,331,000 | 141,470,000 | 147,047,000 | 156,931,000 |
| Interest-bearing deposits | 122,448,000 | 122,979,000 | 131,006,000 | 141,317,000 |
| Noninterest-bearing deposits | 13,882,000 | 18,491,000 | 16,040,000 | 15,614,000 |
| Equity capital | 17,715,000 | 18,531,000 | 18,946,000 | 19,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,413,000 | 5,070,000 | 7,966,000 | 11,074,000 |
| Interest expense | 666,000 | 1,426,000 | 2,322,000 | 3,353,000 |
| Net interest income | 1,747,000 | 3,644,000 | 5,644,000 | 7,721,000 |
| Noninterest income | 332,000 | 686,000 | 1,048,000 | 1,369,000 |
| Noninterest expense | 1,320,000 | 2,671,000 | 4,102,000 | 5,751,000 |
| Provision for loan losses | 35,000 | 120,000 | 215,000 | -200,000 |
| Pretax income | 724,000 | 1,539,000 | 2,375,000 | 3,539,000 |
| Income tax | 246,000 | 523,000 | 808,000 | 1,206,000 |
| Net income | 478,000 | 1,016,000 | 1,567,000 | 2,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,227,000 | 17,765,000 | 18,316,000 | 19,083,000 |
| Total capital | 18,994,000 | 19,656,000 | 20,266,000 | 21,040,000 |
| Risk-weighted assets | 144,152,000 | 152,638,000 | 160,306,000 | 160,773,000 |