Call reports 2007
COMMUNITY FIRST BANK OF THE HEARTLAND — 2007
What COMMUNITY FIRST BANK OF THE HEARTLAND reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 33,379,000 | 39,662,000 | 40,578,000 | 43,909,000 |
| Total loans | 14,037,000 | 16,403,000 | 18,984,000 | 20,163,000 |
| Allowance for loan losses | 176,000 | 188,000 | 189,000 | 202,000 |
| Securities available for sale | 0 | 12,569,000 | 14,678,000 | 15,631,000 |
| Securities held to maturity | 13,676,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,841,000 | 27,257,000 | 29,303,000 | 31,920,000 |
| Interest-bearing deposits | 20,473,000 | 22,274,000 | 24,686,000 | 26,562,000 |
| Noninterest-bearing deposits | 4,368,000 | 4,983,000 | 4,617,000 | 5,358,000 |
| Equity capital | 7,953,000 | 11,875,000 | 7,902,000 | 7,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 398,000 | 311,000 | 829,000 | 1,428,000 |
| Interest expense | 109,000 | 79,000 | 256,000 | 492,000 |
| Net interest income | 289,000 | 232,000 | 573,000 | 936,000 |
| Noninterest income | 48,000 | 38,000 | 76,000 | 124,000 |
| Noninterest expense | 197,000 | 161,000 | 401,000 | 756,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 90,000 |
| Pretax income | 140,000 | 99,000 | 244,000 | 240,000 |
| Income tax | 40,000 | 26,000 | 56,000 | 54,000 |
| Net income | 100,000 | 73,000 | 188,000 | 186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,953,000 | 9,607,000 | 5,450,000 | 4,967,000 |
| Total capital | 8,129,000 | 9,795,000 | 5,639,000 | 5,169,000 |
| Risk-weighted assets | 30,571,000 | 34,747,000 | 34,924,000 | 38,687,000 |