Call reports 2009
COMMUNITY FIRST BANK — 2009
What COMMUNITY FIRST 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 | 193,694,000 | 202,983,000 | 210,249,000 | 211,276,000 |
| Total loans | 127,014,000 | 130,419,000 | 133,836,000 | 135,955,000 |
| Allowance for loan losses | 1,830,000 | 1,994,000 | 2,114,000 | 2,261,000 |
| Securities available for sale | 47,494,000 | 54,602,000 | 57,232,000 | 53,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,404,000 | 182,404,000 | 187,865,000 | 188,916,000 |
| Interest-bearing deposits | 141,600,000 | 143,552,000 | 145,316,000 | 150,141,000 |
| Noninterest-bearing deposits | 34,804,000 | 38,852,000 | 42,549,000 | 38,775,000 |
| Equity capital | 13,565,000 | 16,700,000 | 17,925,000 | 18,416,000 |
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 | 2,605,000 | 5,284,000 | 8,010,000 | 10,789,000 |
| Interest expense | 856,000 | 1,637,000 | 2,379,000 | 3,060,000 |
| Net interest income | 1,749,000 | 3,647,000 | 5,631,000 | 7,729,000 |
| Noninterest income | 374,000 | 793,000 | 1,205,000 | 1,610,000 |
| Noninterest expense | 1,303,000 | 2,880,000 | 4,304,000 | 5,791,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 670,000 | 1,260,000 | 2,082,000 | 2,948,000 |
| Income tax | 217,000 | 332,000 | 588,000 | 859,000 |
| Net income | 453,000 | 928,000 | 1,494,000 | 2,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,075,000 | 16,549,000 | 17,115,000 | 17,710,000 |
| Total capital | 14,734,000 | 18,225,000 | 18,901,000 | 19,534,000 |
| Risk-weighted assets | 132,570,000 | 137,930,000 | 142,536,000 | 145,513,000 |