Call reports 2007
CITIZENS FIRST BANK, INC. — 2007
What CITIZENS FIRST BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 63,082,000 | 62,560,000 | 59,062,000 | 59,638,000 |
| Total loans | 47,105,000 | 46,393,000 | 47,290,000 | 46,900,000 |
| Allowance for loan losses | 585,000 | 578,000 | 581,000 | 549,000 |
| Securities available for sale | 3,770,000 | 3,898,000 | 3,984,000 | 4,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,957,000 | 56,459,000 | 52,793,000 | 53,361,000 |
| Interest-bearing deposits | 49,052,000 | 48,676,000 | 45,346,000 | 45,543,000 |
| Noninterest-bearing deposits | 7,905,000 | 7,783,000 | 7,447,000 | 7,818,000 |
| Equity capital | 5,697,000 | 5,767,000 | 5,942,000 | 5,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,096,000 | 2,200,000 | 3,277,000 | 4,352,000 |
| Interest expense | 471,000 | 955,000 | 1,406,000 | 1,842,000 |
| Net interest income | 625,000 | 1,245,000 | 1,871,000 | 2,510,000 |
| Noninterest income | 69,000 | 148,000 | 232,000 | 313,000 |
| Noninterest expense | 449,000 | 910,000 | 1,388,000 | 1,876,000 |
| Provision for loan losses | 35,000 | 35,000 | 35,000 | 35,000 |
| Pretax income | 210,000 | 448,000 | 680,000 | 912,000 |
| Income tax | 102,000 | 196,000 | 306,000 | 341,000 |
| Net income | 108,000 | 252,000 | 374,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,697,000 | 5,825,000 | 5,947,000 | 5,884,000 |
| Total capital | 6,222,000 | 6,339,000 | 6,453,000 | 6,394,000 |
| Risk-weighted assets | 41,901,000 | 41,073,000 | 40,400,000 | 40,748,000 |