Call reports 2012
CITY FIRST BANK, NATIONAL ASSOCIATION — 2012
What CITY FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 168,859,000 | 191,767,000 | 219,434,000 | 225,359,000 |
| Total loans | 118,652,000 | 123,440,000 | 135,130,000 | 142,888,000 |
| Allowance for loan losses | 3,950,000 | 3,705,000 | 3,924,000 | 4,298,000 |
| Securities available for sale | 24,638,000 | 30,425,000 | 47,543,000 | 45,502,000 |
| Securities held to maturity | 15,000 | 13,000 | 12,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,209,000 | 144,217,000 | 180,286,000 | 182,975,000 |
| Interest-bearing deposits | 120,053,000 | 132,182,000 | 153,807,000 | 157,112,000 |
| Noninterest-bearing deposits | 17,156,000 | 12,035,000 | 26,479,000 | 25,864,000 |
| Equity capital | 27,810,000 | 28,268,000 | 29,586,000 | 29,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,052,000 | 4,062,000 | 6,276,000 | 8,758,000 |
| Interest expense | 133,000 | 296,000 | 465,000 | 629,000 |
| Net interest income | 1,919,000 | 3,766,000 | 5,811,000 | 8,129,000 |
| Noninterest income | 225,000 | 1,081,000 | 3,243,000 | 3,522,000 |
| Noninterest expense | 1,847,000 | 3,731,000 | 5,691,000 | 7,952,000 |
| Provision for loan losses | 75,000 | 150,000 | 325,000 | 625,000 |
| Pretax income | 222,000 | 966,000 | 3,038,000 | 3,074,000 |
| Income tax | 90,000 | 392,000 | 1,233,000 | 1,247,000 |
| Net income | 132,000 | 574,000 | 1,805,000 | 1,827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,455,000 | 27,869,000 | 29,071,000 | 29,064,000 |
| Total capital | 29,194,000 | 29,738,000 | 31,115,000 | 31,156,000 |
| Risk-weighted assets | 136,679,000 | 147,428,000 | 161,376,000 | 164,715,000 |