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 | 119,366,000 | 121,266,000 | 127,424,000 | 130,953,000 |
| Total loans | 99,364,000 | 102,221,000 | 105,144,000 | 107,717,000 |
| Allowance for loan losses | 1,827,000 | 1,873,000 | 1,925,000 | 1,971,000 |
| Securities available for sale | 9,495,000 | 10,415,000 | 11,164,000 | 11,519,000 |
| Securities held to maturity | 117,000 | 117,000 | 117,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,797,000 | 106,284,000 | 110,701,000 | 114,390,000 |
| Interest-bearing deposits | 96,773,000 | 96,784,000 | 100,487,000 | 105,161,000 |
| Noninterest-bearing deposits | 8,024,000 | 9,500,000 | 10,213,000 | 9,229,000 |
| Equity capital | 10,072,000 | 10,415,000 | 10,732,000 | 11,040,000 |
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 | 1,628,000 | 3,367,000 | 5,262,000 | 7,305,000 |
| Interest expense | 615,000 | 1,313,000 | 2,082,000 | 2,966,000 |
| Net interest income | 1,013,000 | 2,054,000 | 3,180,000 | 4,339,000 |
| Noninterest income | 54,000 | 111,000 | 166,000 | 228,000 |
| Noninterest expense | 500,000 | 1,006,000 | 1,559,000 | 2,168,000 |
| Provision for loan losses | 45,000 | 90,000 | 142,000 | 187,000 |
| Pretax income | 522,000 | 1,069,000 | 1,645,000 | 2,212,000 |
| Income tax | 199,000 | 407,000 | 626,000 | 841,000 |
| Net income | 323,000 | 662,000 | 1,019,000 | 1,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,135,000 | 10,454,000 | 10,784,000 | 11,113,000 |
| Total capital | 11,377,000 | 11,686,000 | 12,066,000 | 12,482,000 |
| Risk-weighted assets | 98,754,000 | 98,343,000 | 101,928,000 | 108,950,000 |
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