Call reports 2008
CITIZENS 1ST BANK — 2008
What CITIZENS 1ST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 599,052,000 | 601,745,000 | 617,489,000 | 663,925,000 |
| Total loans | 270,632,000 | 261,177,000 | 266,443,000 | 262,281,000 |
| Allowance for loan losses | 485,000 | 509,000 | 753,000 | 751,000 |
| Securities available for sale | 308,684,000 | 315,836,000 | 312,729,000 | 370,768,000 |
| Securities held to maturity | 469,000 | 469,000 | 469,000 | 469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,653,000 | 346,127,000 | 369,538,000 | 391,751,000 |
| Interest-bearing deposits | 314,019,000 | 317,199,000 | 336,682,000 | 357,975,000 |
| Noninterest-bearing deposits | 25,634,000 | 28,928,000 | 32,856,000 | 33,776,000 |
| Equity capital | 86,837,000 | 82,936,000 | 84,920,000 | 88,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,733,000 | 17,473,000 | 26,163,000 | 35,317,000 |
| Interest expense | 5,167,000 | 9,785,000 | 14,268,000 | 18,604,000 |
| Net interest income | 3,566,000 | 7,688,000 | 11,895,000 | 16,713,000 |
| Noninterest income | 175,000 | 379,000 | 585,000 | 736,000 |
| Noninterest expense | 1,409,000 | 2,832,000 | 4,250,000 | 6,001,000 |
| Provision for loan losses | 0 | 25,000 | 275,000 | 275,000 |
| Pretax income | 2,322,000 | 5,210,000 | 7,937,000 | 11,129,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,322,000 | 5,210,000 | 7,937,000 | 11,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,917,000 | 85,399,000 | 87,423,000 | 85,024,000 |
| Total capital | 84,402,000 | 85,908,000 | 88,176,000 | 85,775,000 |
| Risk-weighted assets | 279,122,000 | 277,257,000 | 284,612,000 | 289,076,000 |