Call reports 2012
CITIZENS FIRST BANK, INC. — 2012
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 403,050,000 | 396,746,000 | 394,134,000 | 406,416,000 |
| Total loans | 303,848,000 | 300,127,000 | 305,764,000 | 298,815,000 |
| Allowance for loan losses | 5,928,000 | 5,899,000 | 5,968,000 | 5,721,000 |
| Securities available for sale | 50,188,000 | 47,915,000 | 47,826,000 | 46,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,470,000 | 321,711,000 | 316,326,000 | 331,978,000 |
| Interest-bearing deposits | 317,709,000 | 307,428,000 | 304,061,000 | 317,380,000 |
| Noninterest-bearing deposits | 13,761,000 | 14,283,000 | 12,265,000 | 14,598,000 |
| Equity capital | 43,716,000 | 44,577,000 | 45,798,000 | 46,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,618,000 | 9,184,000 | 13,864,000 | 18,528,000 |
| Interest expense | 898,000 | 1,761,000 | 2,560,000 | 3,343,000 |
| Net interest income | 3,720,000 | 7,423,000 | 11,304,000 | 15,185,000 |
| Noninterest income | 625,000 | 1,218,000 | 1,894,000 | 2,581,000 |
| Noninterest expense | 2,794,000 | 5,619,000 | 8,458,000 | 11,383,000 |
| Provision for loan losses | 370,000 | 820,000 | 1,120,000 | 1,700,000 |
| Pretax income | 1,181,000 | 2,257,000 | 3,675,000 | 4,738,000 |
| Income tax | 314,000 | 596,000 | 1,000,000 | 1,290,000 |
| Net income | 867,000 | 1,661,000 | 2,675,000 | 3,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,362,000 | 38,326,000 | 39,845,000 | 40,647,000 |
| Total capital | 41,234,000 | 42,029,000 | 43,752,000 | 44,531,000 |
| Risk-weighted assets | 307,706,000 | 294,044,000 | 310,500,000 | 308,877,000 |