Call reports 2006
CITIZENS FIRST BANK, INC. — 2006
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 203,868,000 | 202,834,000 | 199,144,000 | 339,010,000 |
| Total loans | 161,987,000 | 162,920,000 | 162,545,000 | 239,675,000 |
| Allowance for loan losses | 1,906,000 | 1,881,000 | 1,931,000 | 3,128,000 |
| Securities available for sale | 12,582,000 | 12,690,000 | 13,568,000 | 42,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,319,000 | 162,166,000 | 161,915,000 | 279,559,000 |
| Interest-bearing deposits | 148,348,000 | 146,126,000 | 146,310,000 | 252,830,000 |
| Noninterest-bearing deposits | 16,971,000 | 16,040,000 | 15,604,000 | 26,729,000 |
| Equity capital | 20,139,000 | 20,577,000 | 21,428,000 | 41,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,233,000 | 6,712,000 | 10,312,000 | 14,805,000 |
| Interest expense | 1,147,000 | 2,432,000 | 3,835,000 | 5,574,000 |
| Net interest income | 2,086,000 | 4,280,000 | 6,477,000 | 9,231,000 |
| Noninterest income | 268,000 | 596,000 | 1,033,000 | 1,475,000 |
| Noninterest expense | 1,454,000 | 3,019,000 | 4,624,000 | 6,672,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 150,000 |
| Pretax income | 900,000 | 1,857,000 | 2,826,000 | 3,891,000 |
| Income tax | 307,000 | 629,000 | 955,000 | 1,322,000 |
| Net income | 593,000 | 1,228,000 | 1,871,000 | 2,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,430,000 | 19,919,000 | 20,432,000 | 28,949,000 |
| Total capital | 21,336,000 | 21,800,000 | 22,363,000 | 32,064,000 |
| Risk-weighted assets | 167,397,000 | 168,001,000 | 167,847,000 | 249,164,000 |