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 | 48,953,000 | 49,664,000 | 48,531,000 | 47,323,000 |
| Total loans | 28,265,000 | 29,946,000 | 30,242,000 | 29,268,000 |
| Allowance for loan losses | 436,000 | 440,000 | 470,000 | 421,000 |
| Securities available for sale | 16,678,000 | 16,474,000 | 14,545,000 | 14,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,349,000 | 42,822,000 | 43,602,000 | 42,397,000 |
| Interest-bearing deposits | 38,851,000 | 38,978,000 | 39,028,000 | 38,382,000 |
| Noninterest-bearing deposits | 3,498,000 | 3,844,000 | 4,574,000 | 4,015,000 |
| Equity capital | 5,465,000 | 5,704,000 | 4,778,000 | 4,750,000 |
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 | 725,000 | 1,469,000 | 2,241,000 | 3,004,000 |
| Interest expense | 220,000 | 456,000 | 699,000 | 954,000 |
| Net interest income | 505,000 | 1,013,000 | 1,542,000 | 2,050,000 |
| Noninterest income | 110,000 | 200,000 | 291,000 | 399,000 |
| Noninterest expense | 370,000 | 800,000 | 1,125,000 | 1,549,000 |
| Provision for loan losses | 8,000 | 15,000 | 28,000 | 36,000 |
| Pretax income | 237,000 | 398,000 | 676,000 | 860,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 236,000 | 397,000 | 675,000 | 859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,627,000 | 5,722,000 | 4,900,000 | 4,947,000 |
| Total capital | 5,972,000 | 6,087,000 | 5,264,000 | 5,297,000 |
| Risk-weighted assets | 27,483,000 | 29,118,000 | 29,041,000 | 27,939,000 |