Call reports 2015
COMMUNITY FIRST NATIONAL BANK — 2015
What COMMUNITY FIRST NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 193,937,000 | 201,346,000 | 203,836,000 | 206,674,000 |
| Total loans | 177,048,000 | 188,482,000 | 173,294,000 | 178,888,000 |
| Allowance for loan losses | 2,550,000 | 2,700,000 | 2,800,000 | 2,465,000 |
| Securities available for sale | 190,000 | 190,000 | 190,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,818,000 | 174,760,000 | 183,636,000 | 186,560,000 |
| Interest-bearing deposits | 132,082,000 | 136,301,000 | 143,709,000 | 149,375,000 |
| Noninterest-bearing deposits | 38,736,000 | 38,459,000 | 39,927,000 | 37,185,000 |
| Equity capital | 18,033,000 | 18,453,000 | 19,047,000 | 19,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,139,000 | 4,336,000 | 6,513,000 | 8,605,000 |
| Interest expense | 237,000 | 486,000 | 741,000 | 1,024,000 |
| Net interest income | 1,902,000 | 3,850,000 | 5,772,000 | 7,581,000 |
| Noninterest income | 2,357,000 | 4,610,000 | 7,272,000 | 9,527,000 |
| Noninterest expense | 3,378,000 | 6,855,000 | 10,405,000 | 13,858,000 |
| Provision for loan losses | 108,000 | 256,000 | 408,000 | 502,000 |
| Pretax income | 773,000 | 1,349,000 | 2,231,000 | 2,748,000 |
| Income tax | 254,000 | 410,000 | 698,000 | 879,000 |
| Net income | 519,000 | 939,000 | 1,533,000 | 1,869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,033,000 | 18,453,000 | 19,047,000 | 19,383,000 |
| Total capital | 20,037,000 | 20,537,000 | 21,000,000 | 21,410,000 |
| Risk-weighted assets | 159,849,000 | 166,147,000 | 155,421,000 | 161,568,000 |