Call reports 2005
COMMUNITY FIRST BANK OF THE HEARTLAND — 2005
What COMMUNITY FIRST BANK OF THE HEARTLAND 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 | 38,535,000 | 37,095,000 | 36,560,000 | 35,825,000 |
| Total loans | 14,958,000 | 15,282,000 | 15,107,000 | 14,403,000 |
| Allowance for loan losses | 196,000 | 196,000 | 189,000 | 169,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,762,000 | 17,259,000 | 15,276,000 | 15,226,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,592,000 | 29,106,000 | 28,495,000 | 27,710,000 |
| Interest-bearing deposits | 25,239,000 | 24,629,000 | 23,524,000 | 22,903,000 |
| Noninterest-bearing deposits | 5,353,000 | 4,477,000 | 4,971,000 | 4,807,000 |
| Equity capital | 7,393,000 | 7,471,000 | 7,561,000 | 7,613,000 |
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 | 375,000 | 758,000 | 1,156,000 | 1,541,000 |
| Interest expense | 75,000 | 153,000 | 234,000 | 326,000 |
| Net interest income | 300,000 | 605,000 | 922,000 | 1,215,000 |
| Noninterest income | 27,000 | 66,000 | 100,000 | 128,000 |
| Noninterest expense | 181,000 | 371,000 | 555,000 | 749,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 15,000 |
| Pretax income | 142,000 | 296,000 | 462,000 | 578,000 |
| Income tax | 48,000 | 90,000 | 131,000 | 161,000 |
| Net income | 94,000 | 206,000 | 331,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,393,000 | 7,471,000 | 7,561,000 | 7,613,000 |
| Total capital | 7,589,000 | 7,667,000 | 7,750,000 | 7,782,000 |
| Risk-weighted assets | 35,657,000 | 34,119,000 | 33,679,000 | 32,946,000 |