Call reports 2005
COMMUNITY FIRST BANK — 2005
What COMMUNITY FIRST BANK 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 | 69,940,000 | 69,877,000 | 71,286,000 | 58,328,000 |
| Total loans | 31,582,000 | 33,034,000 | 34,430,000 | 36,380,000 |
| Allowance for loan losses | 488,000 | 480,000 | 455,000 | 497,000 |
| Securities available for sale | 30,916,000 | 29,590,000 | 20,521,000 | 15,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,137,000 | 38,934,000 | 40,446,000 | 43,256,000 |
| Interest-bearing deposits | 33,712,000 | 33,529,000 | 34,720,000 | 37,473,000 |
| Noninterest-bearing deposits | 5,425,000 | 5,406,000 | 5,726,000 | 5,783,000 |
| Equity capital | 6,718,000 | 6,866,000 | 6,742,000 | 5,496,000 |
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 | 855,000 | 1,723,000 | 2,578,000 | 3,440,000 |
| Interest expense | 528,000 | 1,049,000 | 1,592,000 | 2,174,000 |
| Net interest income | 327,000 | 674,000 | 986,000 | 1,266,000 |
| Noninterest income | 83,000 | 179,000 | 278,000 | 352,000 |
| Noninterest expense | 490,000 | 954,000 | 1,456,000 | 2,872,000 |
| Provision for loan losses | 0 | 1,000 | 4,000 | 47,000 |
| Pretax income | -80,000 | -102,000 | -270,000 | -1,420,000 |
| Income tax | -29,000 | -43,000 | -134,000 | -134,000 |
| Net income | -51,000 | -59,000 | -136,000 | -1,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,019,000 | 7,013,000 | 6,935,000 | 5,785,000 |
| Total capital | 7,513,000 | 7,493,000 | 7,407,000 | 6,282,000 |
| Risk-weighted assets | 39,502,000 | 38,974,000 | 40,764,000 | 39,727,000 |