Call reports 2011
CITIZENS FIRST BANK, INC. — 2011
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 360,513,000 | 353,416,000 | 390,107,000 | 403,106,000 |
| Total loans | 269,627,000 | 269,763,000 | 280,385,000 | 294,532,000 |
| Allowance for loan losses | 5,003,000 | 5,215,000 | 4,932,000 | 5,865,000 |
| Securities available for sale | 41,539,000 | 42,806,000 | 44,848,000 | 50,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,969,000 | 293,602,000 | 330,146,000 | 332,994,000 |
| Interest-bearing deposits | 289,514,000 | 282,676,000 | 292,673,000 | 293,689,000 |
| Noninterest-bearing deposits | 12,455,000 | 10,926,000 | 37,473,000 | 39,305,000 |
| Equity capital | 41,014,000 | 42,273,000 | 42,972,000 | 43,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,319,000 | 8,638,000 | 12,950,000 | 17,482,000 |
| Interest expense | 1,077,000 | 2,140,000 | 3,125,000 | 4,077,000 |
| Net interest income | 3,242,000 | 6,498,000 | 9,825,000 | 13,405,000 |
| Noninterest income | 618,000 | 1,245,000 | 1,943,000 | 2,639,000 |
| Noninterest expense | 2,597,000 | 5,129,000 | 7,744,000 | 10,417,000 |
| Provision for loan losses | 225,000 | 525,000 | 825,000 | 2,025,000 |
| Pretax income | 1,038,000 | 2,150,000 | 3,273,000 | 3,817,000 |
| Income tax | 265,000 | 555,000 | 849,000 | 943,000 |
| Net income | 773,000 | 1,595,000 | 2,424,000 | 2,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,895,000 | 37,173,000 | 36,034,000 | 36,525,000 |
| Total capital | 39,512,000 | 40,741,000 | 39,770,000 | 40,415,000 |
| Risk-weighted assets | 288,011,000 | 283,781,000 | 297,700,000 | 309,811,000 |