Call reports 2002
CITIZENS FIRST BANK, INC. — 2002
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 23,949,000 | 28,892,000 | 34,844,000 | 39,679,000 |
| Total loans | 19,907,000 | 25,220,000 | 28,930,000 | 31,166,000 |
| Allowance for loan losses | 177,000 | 240,000 | 300,000 | 350,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,197,000 | 24,519,000 | 31,179,000 | 35,887,000 |
| Interest-bearing deposits | 17,087,000 | 20,525,000 | 26,420,000 | 31,595,000 |
| Noninterest-bearing deposits | 3,110,000 | 3,994,000 | 4,759,000 | 4,292,000 |
| Equity capital | 3,677,000 | 3,640,000 | 3,569,000 | 3,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 340,000 | 782,000 | 1,313,000 | 1,917,000 |
| Interest expense | 124,000 | 292,000 | 497,000 | 728,000 |
| Net interest income | 216,000 | 490,000 | 816,000 | 1,189,000 |
| Noninterest income | 12,000 | 26,000 | 61,000 | 95,000 |
| Noninterest expense | 215,000 | 465,000 | 837,000 | 1,138,000 |
| Provision for loan losses | 60,000 | 135,000 | 195,000 | 245,000 |
| Pretax income | -47,000 | -84,000 | -155,000 | -99,000 |
| Income tax | 0 | 0 | 0 | -61,000 |
| Net income | -47,000 | -84,000 | -155,000 | -38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,633,000 | 3,596,000 | 3,525,000 | 3,536,000 |
| Total capital | 3,810,000 | 3,836,000 | 3,825,000 | 3,874,000 |
| Risk-weighted assets | 18,156,000 | 21,813,000 | 25,073,000 | 27,057,000 |