Call reports 2006
CITIZENS FIRST BANK, INC. — 2006
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 58,661,000 | 60,364,000 | 61,130,000 | 62,741,000 |
| Total loans | 46,551,000 | 46,069,000 | 46,008,000 | 46,844,000 |
| Allowance for loan losses | 568,000 | 599,000 | 527,000 | 558,000 |
| Securities available for sale | 0 | 0 | 2,996,000 | 750,000 |
| Securities held to maturity | 1,990,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,155,000 | 54,749,000 | 55,341,000 | 56,813,000 |
| Interest-bearing deposits | 45,660,000 | 47,413,000 | 47,812,000 | 49,779,000 |
| Noninterest-bearing deposits | 7,496,000 | 7,336,000 | 7,529,000 | 7,034,000 |
| Equity capital | 5,179,000 | 5,313,000 | 5,464,000 | 5,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 969,000 | 1,994,000 | 3,030,000 | 4,120,000 |
| Interest expense | 337,000 | 704,000 | 1,109,000 | 1,561,000 |
| Net interest income | 632,000 | 1,290,000 | 1,921,000 | 2,559,000 |
| Noninterest income | 59,000 | 136,000 | 221,000 | 294,000 |
| Noninterest expense | 422,000 | 861,000 | 1,288,000 | 1,716,000 |
| Provision for loan losses | 40,000 | 70,000 | 100,000 | 130,000 |
| Pretax income | 229,000 | 495,000 | 750,000 | 1,007,000 |
| Income tax | 97,000 | 213,000 | 317,000 | 433,000 |
| Net income | 132,000 | 282,000 | 433,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,179,000 | 5,313,000 | 5,464,000 | 5,589,000 |
| Total capital | 5,675,000 | 5,820,000 | 5,974,000 | 6,102,000 |
| Risk-weighted assets | 39,573,000 | 40,516,000 | 40,789,000 | 41,011,000 |