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 | 74,325,000 | 75,392,000 | 76,277,000 | 76,824,000 |
| Total loans | 49,116,000 | 50,839,000 | 50,782,000 | 49,968,000 |
| Allowance for loan losses | 563,000 | 586,000 | 630,000 | 695,000 |
| Securities available for sale | 14,803,000 | 14,125,000 | 12,814,000 | 12,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,070,000 | 65,097,000 | 65,893,000 | 66,678,000 |
| Interest-bearing deposits | 56,826,000 | 58,217,000 | 58,603,000 | 58,846,000 |
| Noninterest-bearing deposits | 7,244,000 | 6,880,000 | 7,290,000 | 7,832,000 |
| Equity capital | 9,760,000 | 9,876,000 | 10,014,000 | 9,766,000 |
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 | 1,152,000 | 2,302,000 | 3,454,000 | 4,580,000 |
| Interest expense | 335,000 | 644,000 | 945,000 | 1,229,000 |
| Net interest income | 817,000 | 1,658,000 | 2,509,000 | 3,351,000 |
| Noninterest income | 110,000 | 326,000 | 477,000 | 605,000 |
| Noninterest expense | 582,000 | 1,189,000 | 1,750,000 | 2,434,000 |
| Provision for loan losses | 12,000 | 74,000 | 136,000 | 223,000 |
| Pretax income | 333,000 | 721,000 | 1,100,000 | 1,346,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 332,000 | 720,000 | 1,099,000 | 1,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,277,000 | 8,426,000 | 8,519,000 | 8,426,000 |
| Total capital | 8,840,000 | 9,012,000 | 9,099,000 | 9,002,000 |
| Risk-weighted assets | 45,778,000 | 47,033,000 | 46,340,000 | 45,985,000 |