Call reports 2015
CITY FIRST BANK, NATIONAL ASSOCIATION — 2015
What CITY FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 235,686,000 | 237,897,000 | 249,614,000 | 256,997,000 |
| Total loans | 173,071,000 | 169,928,000 | 160,783,000 | 166,600,000 |
| Allowance for loan losses | 4,225,000 | 4,374,000 | 4,590,000 | 4,559,000 |
| Securities available for sale | 41,006,000 | 48,389,000 | 46,978,000 | 59,636,000 |
| Securities held to maturity | 3,000 | 2,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,970,000 | 195,932,000 | 206,648,000 | 194,647,000 |
| Interest-bearing deposits | 170,770,000 | 173,250,000 | 182,667,000 | 167,981,000 |
| Noninterest-bearing deposits | 26,200,000 | 22,682,000 | 23,981,000 | 26,666,000 |
| Equity capital | 33,086,000 | 32,984,000 | 33,190,000 | 33,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,469,000 | 4,925,000 | 7,343,000 | 9,742,000 |
| Interest expense | 142,000 | 282,000 | 437,000 | 588,000 |
| Net interest income | 2,327,000 | 4,643,000 | 6,906,000 | 9,154,000 |
| Noninterest income | 332,000 | 977,000 | 1,257,000 | 3,139,000 |
| Noninterest expense | 2,209,000 | 4,588,000 | 6,683,000 | 9,055,000 |
| Provision for loan losses | 206,000 | 701,000 | 876,000 | 876,000 |
| Pretax income | 244,000 | 331,000 | 604,000 | 2,504,000 |
| Income tax | 65,000 | 87,000 | 178,000 | 793,000 |
| Net income | 96,000 | 127,000 | 261,000 | 1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,950,000 | 32,952,000 | 33,057,000 | 33,932,000 |
| Total capital | 35,309,000 | 35,289,000 | 35,328,000 | 36,242,000 |
| Risk-weighted assets | 186,038,000 | 184,180,000 | 178,708,000 | 182,105,000 |