Call reports 2005
CITIZENS FIRST BANK, INC. — 2005
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 54,887,000 | 55,863,000 | 56,466,000 | 56,811,000 |
| Total loans | 46,915,000 | 47,626,000 | 46,970,000 | 47,134,000 |
| Allowance for loan losses | 524,000 | 558,000 | 576,000 | 556,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 1,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,953,000 | 50,832,000 | 51,246,000 | 51,422,000 |
| Interest-bearing deposits | 43,623,000 | 43,834,000 | 44,544,000 | 44,153,000 |
| Noninterest-bearing deposits | 6,330,000 | 6,997,000 | 6,702,000 | 7,269,000 |
| Equity capital | 4,643,000 | 4,750,000 | 4,898,000 | 5,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 855,000 | 1,756,000 | 2,698,000 | 3,633,000 |
| Interest expense | 238,000 | 505,000 | 800,000 | 1,108,000 |
| Net interest income | 617,000 | 1,251,000 | 1,898,000 | 2,525,000 |
| Noninterest income | 51,000 | 106,000 | 169,000 | 242,000 |
| Noninterest expense | 397,000 | 836,000 | 1,259,000 | 1,676,000 |
| Provision for loan losses | 30,000 | 65,000 | 105,000 | 166,000 |
| Pretax income | 241,000 | 456,000 | 703,000 | 925,000 |
| Income tax | 96,000 | 196,000 | 291,000 | 360,000 |
| Net income | 145,000 | 260,000 | 412,000 | 565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,643,000 | 4,750,000 | 4,898,000 | 5,047,000 |
| Total capital | 5,146,000 | 5,262,000 | 5,388,000 | 5,544,000 |
| Risk-weighted assets | 40,196,000 | 40,900,000 | 39,713,000 | 39,681,000 |