Call reports 2010
CITIZENS FIRST BANK, INC. — 2010
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 346,208,000 | 346,336,000 | 344,336,000 | 349,412,000 |
| Total loans | 265,935,000 | 266,514,000 | 265,127,000 | 268,454,000 |
| Allowance for loan losses | 4,083,000 | 4,458,000 | 4,839,000 | 5,001,000 |
| Securities available for sale | 39,251,000 | 41,782,000 | 40,513,000 | 39,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,493,000 | 296,381,000 | 293,205,000 | 292,017,000 |
| Interest-bearing deposits | 285,067,000 | 282,807,000 | 279,418,000 | 278,161,000 |
| Noninterest-bearing deposits | 14,426,000 | 13,574,000 | 13,787,000 | 13,856,000 |
| Equity capital | 38,025,000 | 38,919,000 | 39,951,000 | 39,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,332,000 | 8,788,000 | 13,212,000 | 17,584,000 |
| Interest expense | 1,314,000 | 2,616,000 | 3,848,000 | 4,972,000 |
| Net interest income | 3,018,000 | 6,172,000 | 9,364,000 | 12,612,000 |
| Noninterest income | 551,000 | 1,266,000 | 2,002,000 | 2,711,000 |
| Noninterest expense | 2,443,000 | 4,918,000 | 7,513,000 | 10,162,000 |
| Provision for loan losses | 400,000 | 850,000 | 1,225,000 | 1,575,000 |
| Pretax income | 726,000 | 1,670,000 | 2,628,000 | 3,586,000 |
| Income tax | 141,000 | 369,000 | 608,000 | 791,000 |
| Net income | 585,000 | 1,301,000 | 2,020,000 | 2,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,088,000 | 32,699,000 | 33,518,000 | 34,323,000 |
| Total capital | 35,646,000 | 36,284,000 | 37,044,000 | 37,882,000 |
| Risk-weighted assets | 284,130,000 | 285,905,000 | 280,771,000 | 283,288,000 |