Call reports 2007
CITIZENS FIRST BANK, INC. — 2007
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 353,319,000 | 343,834,000 | 333,073,000 | 346,568,000 |
| Total loans | 252,167,000 | 248,387,000 | 250,000,000 | 255,561,000 |
| Allowance for loan losses | 3,000,000 | 3,057,000 | 2,957,000 | 3,194,000 |
| Securities available for sale | 37,279,000 | 40,216,000 | 39,249,000 | 42,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,989,000 | 288,881,000 | 280,105,000 | 286,412,000 |
| Interest-bearing deposits | 270,686,000 | 262,339,000 | 270,425,000 | 272,072,000 |
| Noninterest-bearing deposits | 26,303,000 | 26,543,000 | 9,680,000 | 14,340,000 |
| Equity capital | 41,908,000 | 41,806,000 | 41,809,000 | 39,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,814,000 | 11,656,000 | 17,300,000 | 22,743,000 |
| Interest expense | 2,538,000 | 5,248,000 | 7,882,000 | 10,459,000 |
| Net interest income | 3,276,000 | 6,408,000 | 9,418,000 | 12,284,000 |
| Noninterest income | 501,000 | 1,065,000 | 1,678,000 | 2,299,000 |
| Noninterest expense | 2,814,000 | 5,656,000 | 8,343,000 | 11,288,000 |
| Provision for loan losses | 60,000 | 100,000 | 270,000 | 710,000 |
| Pretax income | 903,000 | 1,717,000 | 2,483,000 | 2,567,000 |
| Income tax | 278,000 | 517,000 | 708,000 | 663,000 |
| Net income | 625,000 | 1,200,000 | 1,775,000 | 1,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,335,000 | 29,696,000 | 29,374,000 | 26,381,000 |
| Total capital | 32,335,000 | 32,753,000 | 32,331,000 | 29,575,000 |
| Risk-weighted assets | 263,355,000 | 264,145,000 | 264,616,000 | 280,766,000 |