Call reports 2009
CITIZENS FIRST BANK, INC. — 2009
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 354,534,000 | 338,952,000 | 341,353,000 | 343,740,000 |
| Total loans | 270,076,000 | 262,513,000 | 262,286,000 | 264,216,000 |
| Allowance for loan losses | 3,958,000 | 3,657,000 | 3,777,000 | 3,988,000 |
| Securities available for sale | 44,455,000 | 41,602,000 | 38,733,000 | 41,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,102,000 | 269,280,000 | 280,918,000 | 293,024,000 |
| Interest-bearing deposits | 268,456,000 | 245,200,000 | 264,895,000 | 277,576,000 |
| Noninterest-bearing deposits | 15,646,000 | 24,080,000 | 16,023,000 | 15,448,000 |
| Equity capital | 38,650,000 | 36,670,000 | 37,848,000 | 37,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,499,000 | 8,756,000 | 13,087,000 | 17,432,000 |
| Interest expense | 1,800,000 | 3,424,000 | 4,882,000 | 6,284,000 |
| Net interest income | 2,699,000 | 5,332,000 | 8,205,000 | 11,148,000 |
| Noninterest income | 575,000 | 1,210,000 | 1,849,000 | 2,437,000 |
| Noninterest expense | 2,694,000 | 5,784,000 | 8,527,000 | 11,418,000 |
| Provision for loan losses | 300,000 | 3,200,000 | 3,500,000 | 4,747,000 |
| Pretax income | 280,000 | -2,081,000 | -1,612,000 | -2,219,000 |
| Income tax | -22,000 | -917,000 | -851,000 | -1,165,000 |
| Net income | 302,000 | -1,164,000 | -761,000 | -1,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,079,000 | 29,958,000 | 31,668,000 | 31,715,000 |
| Total capital | 36,697,000 | 33,470,000 | 35,188,000 | 35,286,000 |
| Risk-weighted assets | 289,090,000 | 280,853,000 | 281,636,000 | 285,238,000 |