Call reports 2013
COMMUNITY FIRST BANK — 2013
What COMMUNITY FIRST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 203,844,000 | 207,718,000 | 206,968,000 | 206,218,000 |
| Total loans | 160,939,000 | 168,500,000 | 169,955,000 | 173,006,000 |
| Allowance for loan losses | 3,096,000 | 3,027,000 | 3,057,000 | 2,967,000 |
| Securities available for sale | 17,935,000 | 16,704,000 | 19,432,000 | 19,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,589,000 | 178,270,000 | 177,141,000 | 175,937,000 |
| Interest-bearing deposits | 159,316,000 | 160,901,000 | 162,197,000 | 158,885,000 |
| Noninterest-bearing deposits | 15,273,000 | 17,370,000 | 14,944,000 | 17,051,000 |
| Equity capital | 28,131,000 | 28,179,000 | 28,456,000 | 28,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,166,000 | 4,332,000 | 6,517,000 | 8,712,000 |
| Interest expense | 390,000 | 751,000 | 1,106,000 | 1,449,000 |
| Net interest income | 1,776,000 | 3,581,000 | 5,411,000 | 7,263,000 |
| Noninterest income | 156,000 | 288,000 | 425,000 | 541,000 |
| Noninterest expense | 1,149,000 | 2,251,000 | 3,425,000 | 4,575,000 |
| Provision for loan losses | 104,000 | 209,000 | 255,000 | 287,000 |
| Pretax income | 679,000 | 1,409,000 | 2,156,000 | 2,942,000 |
| Income tax | 8,000 | 20,000 | 33,000 | 45,000 |
| Net income | 671,000 | 1,389,000 | 2,123,000 | 2,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,712,000 | 27,840,000 | 28,173,000 | 28,422,000 |
| Total capital | 29,697,000 | 29,906,000 | 30,229,000 | 30,511,000 |
| Risk-weighted assets | 157,569,000 | 164,200,000 | 163,362,000 | 166,089,000 |