Call reports 2005
COMMUNITY FIRST BANK — 2005
What COMMUNITY FIRST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 87,557,000 | 87,449,000 | 91,727,000 | 98,596,000 |
| Total loans | 60,572,000 | 64,446,000 | 66,514,000 | 66,934,000 |
| Allowance for loan losses | 975,000 | 1,002,000 | 987,000 | 1,013,000 |
| Securities available for sale | 14,775,000 | 13,569,000 | 12,865,000 | 12,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,520,000 | 77,202,000 | 81,213,000 | 88,005,000 |
| Interest-bearing deposits | 63,699,000 | 61,922,000 | 61,514,000 | 66,838,000 |
| Noninterest-bearing deposits | 14,821,000 | 15,280,000 | 19,699,000 | 21,167,000 |
| Equity capital | 7,741,000 | 7,926,000 | 8,075,000 | 8,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,165,000 | 2,369,000 | 3,653,000 | 5,039,000 |
| Interest expense | 264,000 | 559,000 | 894,000 | 1,272,000 |
| Net interest income | 901,000 | 1,810,000 | 2,759,000 | 3,767,000 |
| Noninterest income | 206,000 | 440,000 | 667,000 | 896,000 |
| Noninterest expense | 820,000 | 1,687,000 | 2,530,000 | 3,415,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 257,000 | 503,000 | 806,000 | 1,128,000 |
| Income tax | 75,000 | 145,000 | 236,000 | 332,000 |
| Net income | 182,000 | 358,000 | 570,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,909,000 | 8,026,000 | 8,238,000 | 8,464,000 |
| Total capital | 8,658,000 | 8,802,000 | 9,039,000 | 9,293,000 |
| Risk-weighted assets | 59,715,000 | 61,817,000 | 63,858,000 | 66,125,000 |
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