Call reports 2001
CITIZENS FIRST BANK, INC. — 2001
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q3 | 2001Q4 |
|---|---|---|
| Total assets | 8,565,000 | 17,101,000 |
| Total loans | 4,409,000 | 13,327,000 |
| Allowance for loan losses | 17,000 | 117,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 4,868,000 | 12,951,000 |
| Interest-bearing deposits | 4,079,000 | 11,090,000 |
| Noninterest-bearing deposits | 789,000 | 1,861,000 |
| Equity capital | 3,677,000 | 3,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q3 | 2001Q4 |
|---|---|---|
| Interest income | 100,000 | 331,000 |
| Interest expense | 19,000 | 80,000 |
| Net interest income | 81,000 | 251,000 |
| Noninterest income | 12,000 | 43,000 |
| Noninterest expense | 399,000 | 635,000 |
| Provision for loan losses | 17,000 | 117,000 |
| Pretax income | -323,000 | -458,000 |
| Income tax | 0 | -165,000 |
| Net income | -323,000 | -293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q3 | 2001Q4 |
|---|---|---|
| Tier 1 capital | 3,677,000 | 3,704,000 |
| Total capital | 3,694,000 | 3,821,000 |
| Risk-weighted assets | 8,596,000 | 12,460,000 |