Home > Citizens First Bank > Assets and Liabilities
Citizens First Bank, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 51 | 3,533 |
| Assets and Liabilities | ||
| Total Assets: | $125,779,000 | 3,494 |
| Cash and due from depository institutions | $3,397,000 | 3,533 |
| Interest-bearing balances | $80,000 | 5,076 |
| Securities | $40,829,000 | 2,778 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $68,606,000 | 3,901 |
| Loan loss allowance | $1,302,000 | 2,652 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $5,858,000 | 1,324 |
| Other real estate owned | $83,000 | 3,533 |
| Goodwill and other intangibles | $5,958,000 | 502 |
| All other assets | $1,048,000 | 5,837 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $125,779,000 | 3,494 |
| Total liabilities | $109,427,000 | 3,620 |
| Total deposits | $106,017,000 | 3,483 |
| Interest-bearing deposits | $91,839,000 | 3,467 |
| Deposits held in domestic offices | $106,017,000 | 3,475 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,000,000 | 2,139 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $602,000 | 3,895 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $808,000 | 4,225 |
| Total equity capital | $16,352,000 | 2,715 |
| Total bank equity capital | $16,352,000 | 2,715 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,000,000 | 3,120 |
| Surplus | $14,773,000 | 1,111 |
| Undivided profits | $579,000 | 9,318 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $332,000 | 5,089 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $53,000 | 1,211 |
| Income earned, not collected on loans | $465,000 | 5,039 |
| Earning assets | $109,515,000 | 3,712 |
| Long-term assets (5+ years) | $27,369,000 | 2,235 |
| Average Assets, year-to-date | $123,111,600 | 3,403 |
| Average Assets, quarterly | $124,496,500 | 3,490 |
| Volatile liabilities | $24,007,000 | 2,568 |
| Insider loans | $2,773,000 | 1,538 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $93,000 | 1,446 |
| Unused loan commitments | $3,287,000 | 6,276 |
| Tier 1 (core) risk-based capital | $10,309,000 | 4,044 |
| Tier 2 risk-based capital | $957,740 | 3,045 |
| Total risk weighted assets | $76,274,840 | 3,544 |
| Total unused commitments | $3,287,000 | 6,285 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 66 | 2,873 |
| Assets and Liabilities | ||
| Total Assets: | $120,154,000 | 3,742 |
| Cash and due from depository institutions | $3,047,000 | 2,873 |
| Interest-bearing balances | $75,000 | 5,184 |
| Securities | $39,184,000 | 3,093 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $64,313,000 | 4,138 |
| Loan loss allowance | $1,357,000 | 2,682 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $5,816,000 | 1,353 |
| Other real estate owned | $36,000 | 2,873 |
| Goodwill and other intangibles | $6,419,000 | 470 |
| All other assets | $1,339,000 | 5,045 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $120,154,000 | 3,742 |
| Total liabilities | $104,181,000 | 3,870 |
| Total deposits | $102,438,000 | 3,691 |
| Interest-bearing deposits | $87,844,000 | 3,713 |
| Deposits held in domestic offices | $102,438,000 | 3,678 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $650,000 | 3,053 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $376,000 | 4,159 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $717,000 | 4,590 |
| Total equity capital | $15,973,000 | 2,802 |
| Total bank equity capital | $15,973,000 | 2,802 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,000,000 | 3,340 |
| Surplus | $14,773,000 | 1,161 |
| Undivided profits | $200,000 | 10,400 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $150,000 | 7,348 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $3,000 | 1,760 |
| Income earned, not collected on loans | $548,000 | 4,198 |
| Earning assets | $103,572,000 | 3,973 |
| Long-term assets (5+ years) | $32,293,000 | 1,868 |
| Average Assets, year-to-date | $124,894,800 | 3,450 |
| Average Assets, quarterly | $120,123,000 | 3,684 |
| Volatile liabilities | $19,666,000 | 2,942 |
| Insider loans | $2,689,000 | 1,602 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $155,000 | 1,307 |
| Unused loan commitments | $6,870,000 | 4,284 |
| Tier 1 (core) risk-based capital | $9,628,000 | 4,379 |
| Tier 2 risk-based capital | $908,110 | 3,261 |
| Total risk weighted assets | $72,200,110 | 3,759 |
| Total unused commitments | $6,870,000 | 4,298 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 64 | 3,045 |
| Assets and Liabilities | ||
| Total Assets: | $129,442,000 | 3,482 |
| Cash and due from depository institutions | $4,275,000 | 3,045 |
| Interest-bearing balances | $71,000 | 5,592 |
| Securities | $47,705,000 | 2,654 |
| Federal funds sold & reverse repurchase agreements | $1,310,000 | 6,709 |
| Net loans & leases | $61,679,000 | 4,172 |
| Loan loss allowance | $1,484,000 | 2,504 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $6,054,000 | 1,251 |
| Other real estate owned | $0 | 3,045 |
| Goodwill and other intangibles | $6,880,000 | 439 |
| All other assets | $1,539,000 | 4,561 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $129,442,000 | 3,482 |
| Total liabilities | $113,677,000 | 3,561 |
| Total deposits | $112,389,000 | 3,413 |
| Interest-bearing deposits | $96,319,000 | 3,420 |
| Deposits held in domestic offices | $112,389,000 | 3,405 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $401,000 | 3,188 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $152,000 | 4,166 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $735,000 | 4,707 |
| Total equity capital | $15,765,000 | 2,825 |
| Total bank equity capital | $15,765,000 | 2,825 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,000,000 | 3,492 |
| Surplus | $14,772,000 | 1,157 |
| Undivided profits | $-7,000 | 11,378 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $135,000 | 7,631 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $30,000 | 1,329 |
| Income earned, not collected on loans | $519,000 | 4,566 |
| Earning assets | $110,765,000 | 3,701 |
| Long-term assets (5+ years) | $34,013,000 | 1,637 |
| Average Assets, year-to-date | $133,037,800 | 3,267 |
| Average Assets, quarterly | $130,033,500 | 3,421 |
| Volatile liabilities | $24,690,000 | 2,199 |
| Insider loans | $1,249,000 | 3,180 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $169,000 | 1,316 |
| Unused loan commitments | $2,907,000 | 6,449 |
| Tier 1 (core) risk-based capital | $8,895,000 | 4,655 |
| Tier 2 risk-based capital | $886,770 | 3,262 |
| Total risk weighted assets | $70,344,070 | 3,758 |
| Total unused commitments | $2,907,000 | 6,463 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 69 | 2,924 |
| Assets and Liabilities | ||
| Total Assets: | $136,927,000 | 3,266 |
| Cash and due from depository institutions | $6,576,000 | 2,924 |
| Interest-bearing balances | $363,000 | 3,772 |
| Securities | $54,357,000 | 2,423 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $67,668,000 | 3,788 |
| Loan loss allowance | $965,000 | 3,721 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $4,795,000 | 1,546 |
| Other real estate owned | $0 | 2,924 |
| Goodwill and other intangibles | $1,558,000 | 889 |
| All other assets | $1,973,000 | 3,886 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $136,927,000 | 3,266 |
| Total liabilities | $125,463,000 | 3,231 |
| Total deposits | $121,443,000 | 3,129 |
| Interest-bearing deposits | $102,154,000 | 3,186 |
| Deposits held in domestic offices | $121,443,000 | 3,119 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,782,000 | 2,364 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $342,000 | 4,044 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $896,000 | 3,328 |
| Total equity capital | $11,464,000 | 3,545 |
| Total bank equity capital | $11,464,000 | 3,545 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,000,000 | 3,640 |
| Surplus | $8,457,000 | 1,787 |
| Undivided profits | $2,007,000 | 7,149 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $73,000 | 9,004 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $64,000 | 1,006 |
| Income earned, not collected on loans | $539,000 | 3,898 |
| Earning assets | $122,388,000 | 3,328 |
| Long-term assets (5+ years) | $39,846,000 | 1,431 |
| Average Assets, year-to-date | $133,680,200 | 3,265 |
| Average Assets, quarterly | $135,664,500 | 3,263 |
| Volatile liabilities | $27,756,000 | 1,940 |
| Insider loans | $1,303,000 | 3,040 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $40,000 | 1,377 |
| Unused loan commitments | $977,000 | 9,170 |
| Tier 1 (core) risk-based capital | $10,819,000 | 3,809 |
| Tier 2 risk-based capital | $930,270 | 3,106 |
| Total risk weighted assets | $74,387,070 | 3,458 |
| Total unused commitments | $977,000 | 9,181 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 59 | 3,539 |
| Assets and Liabilities | ||
| Total Assets: | $110,666,000 | 4,072 |
| Cash and due from depository institutions | $6,362,000 | 3,539 |
| Interest-bearing balances | $1,871,000 | 2,497 |
| Securities | $46,614,000 | 2,981 |
| Federal funds sold & reverse repurchase agreements | $1,055,000 | 7,615 |
| Net loans & leases | $52,146,000 | 4,619 |
| Loan loss allowance | $821,000 | 4,385 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,727,000 | 4,145 |
| Other real estate owned | $0 | 3,539 |
| Goodwill and other intangibles | $1,412,000 | 846 |
| All other assets | $1,350,000 | 4,842 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $110,666,000 | 4,072 |
| Total liabilities | $98,919,000 | 4,112 |
| Total deposits | $96,130,000 | 4,036 |
| Interest-bearing deposits | $80,603,000 | 4,170 |
| Deposits held in domestic offices | $96,130,000 | 4,028 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,279,000 | 2,571 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $761,000 | 2,999 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $749,000 | 3,930 |
| Total equity capital | $11,747,000 | 3,484 |
| Total bank equity capital | $11,747,000 | 3,484 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,000,000 | 3,765 |
| Surplus | $8,457,000 | 1,701 |
| Undivided profits | $2,290,000 | 7,068 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $48,000 | 10,477 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $39,000 | 1,240 |
| Income earned, not collected on loans | $415,000 | 4,508 |
| Earning assets | $101,686,000 | 4,054 |
| Long-term assets (5+ years) | $20,934,000 | 2,559 |
| Average Assets, year-to-date | $108,845,600 | 4,019 |
| Average Assets, quarterly | $109,450,500 | 4,076 |
| Volatile liabilities | $13,854,000 | 3,192 |
| Insider loans | $1,505,000 | 2,676 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $267,000 | 1,401 |
| Unused loan commitments | $6,903,000 | 3,999 |
| Tier 1 (core) risk-based capital | $10,335,000 | 3,865 |
| Tier 2 risk-based capital | $725,770 | 3,841 |
| Total risk weighted assets | $57,966,070 | 4,308 |
| Total unused commitments | $6,903,000 | 4,023 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 59 | 3,614 |
| Assets and Liabilities | ||
| Total Assets: | $105,525,000 | 4,323 |
| Cash and due from depository institutions | $11,677,000 | 3,614 |
| Interest-bearing balances | $6,881,000 | 1,083 |
| Securities | $40,864,000 | 3,352 |
| Federal funds sold & reverse repurchase agreements | $4,580,000 | 3,544 |
| Net loans & leases | $43,996,000 | 5,333 |
| Loan loss allowance | $805,000 | 4,469 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,636,000 | 4,327 |
| Other real estate owned | $68,000 | 3,614 |
| Goodwill and other intangibles | $1,355,000 | 866 |
| All other assets | $1,349,000 | 5,001 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $105,525,000 | 4,323 |
| Total liabilities | $94,373,000 | 4,409 |
| Total deposits | $91,926,000 | 4,345 |
| Interest-bearing deposits | $77,584,000 | 4,475 |
| Deposits held in domestic offices | $91,926,000 | 4,337 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,117,000 | 2,471 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $548,000 | 3,072 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $782,000 | 3,989 |
| Total equity capital | $11,152,000 | 3,453 |
| Total bank equity capital | $11,152,000 | 3,453 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,000,000 | 3,936 |
| Surplus | $8,457,000 | 1,640 |
| Undivided profits | $1,695,000 | 7,993 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $136,000 | 9,426 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $474,000 | 4,314 |
| Earning assets | $96,321,000 | 4,312 |
| Long-term assets (5+ years) | $8,188,000 | 4,910 |
| Average Assets, year-to-date | $101,672,000 | 4,375 |
| Average Assets, quarterly | $102,803,500 | 4,389 |
| Volatile liabilities | $16,098,000 | 2,808 |
| Insider loans | $281,000 | 3,061 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $3,888,000 | 5,330 |
| Tier 1 (core) risk-based capital | $9,797,000 | 3,903 |
| Tier 2 risk-based capital | $626,600 | 4,335 |
| Total risk weighted assets | $49,949,500 | 4,931 |
| Total unused commitments | $3,888,000 | 5,360 |
| Derivatives | $0 | 651 |