Call reports 2004
CITIZENS FIRST BANK, INC. — 2004
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 50,203,000 | 50,697,000 | 51,464,000 | 52,105,000 |
| Total loans | 41,537,000 | 43,306,000 | 45,181,000 | 46,244,000 |
| Allowance for loan losses | 445,000 | 492,000 | 490,000 | 537,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,874,000 | 46,329,000 | 46,955,000 | 47,415,000 |
| Interest-bearing deposits | 40,462,000 | 40,773,000 | 41,366,000 | 41,313,000 |
| Noninterest-bearing deposits | 5,412,000 | 5,556,000 | 5,589,000 | 6,102,000 |
| Equity capital | 4,143,000 | 4,237,000 | 4,377,000 | 4,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 755,000 | 1,553,000 | 2,390,000 | 3,234,000 |
| Interest expense | 215,000 | 437,000 | 650,000 | 877,000 |
| Net interest income | 540,000 | 1,116,000 | 1,740,000 | 2,357,000 |
| Noninterest income | 53,000 | 99,000 | 157,000 | 203,000 |
| Noninterest expense | 374,000 | 768,000 | 1,191,000 | 1,615,000 |
| Provision for loan losses | 50,000 | 95,000 | 140,000 | 200,000 |
| Pretax income | 169,000 | 352,000 | 566,000 | 745,000 |
| Income tax | 59,000 | 148,000 | 222,000 | 280,000 |
| Net income | 110,000 | 204,000 | 344,000 | 465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,143,000 | 4,237,000 | 4,377,000 | 4,498,000 |
| Total capital | 4,588,000 | 4,710,000 | 4,863,000 | 4,993,000 |
| Risk-weighted assets | 36,353,000 | 37,808,000 | 38,964,000 | 39,829,000 |