Call reports 2009
CITIZENS 1ST BANK — 2009
What CITIZENS 1ST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 684,750,000 | 675,661,000 | 696,497,000 | 709,186,000 |
| Total loans | 257,537,000 | 253,427,000 | 264,602,000 | 260,275,000 |
| Allowance for loan losses | 738,000 | 738,000 | 737,000 | 836,000 |
| Securities available for sale | 404,065,000 | 404,565,000 | 406,357,000 | 428,379,000 |
| Securities held to maturity | 469,000 | 469,000 | 469,000 | 469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,389,000 | 398,596,000 | 397,159,000 | 403,616,000 |
| Interest-bearing deposits | 387,218,000 | 366,658,000 | 360,277,000 | 371,928,000 |
| Noninterest-bearing deposits | 32,171,000 | 31,938,000 | 36,882,000 | 31,688,000 |
| Equity capital | 95,141,000 | 97,879,000 | 106,656,000 | 110,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,360,000 | 18,600,000 | 27,926,000 | 37,376,000 |
| Interest expense | 4,089,000 | 7,882,000 | 11,450,000 | 14,791,000 |
| Net interest income | 5,271,000 | 10,718,000 | 16,476,000 | 22,585,000 |
| Noninterest income | 302,000 | 622,000 | 871,000 | 1,093,000 |
| Noninterest expense | 1,574,000 | 3,323,000 | 4,904,000 | 6,773,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 3,994,000 | 8,017,000 | 12,429,000 | 16,791,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,994,000 | 8,017,000 | 12,429,000 | 16,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,029,000 | 93,043,000 | 97,467,000 | 101,817,000 |
| Total capital | 89,767,000 | 93,781,000 | 98,204,000 | 102,653,000 |
| Risk-weighted assets | 287,057,000 | 282,952,000 | 298,790,000 | 300,088,000 |