Call reports 2008
COMMUNITY FIRST BANK — 2008
What COMMUNITY FIRST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 78,236,000 | 78,355,000 | 78,511,000 | 80,643,000 |
| Total loans | 53,669,000 | 55,288,000 | 57,606,000 | 60,014,000 |
| Allowance for loan losses | 553,000 | 572,000 | 625,000 | 625,000 |
| Securities available for sale | 16,974,000 | 16,513,000 | 15,254,000 | 14,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,056,000 | 61,455,000 | 63,136,000 | 63,988,000 |
| Interest-bearing deposits | 57,012,000 | 54,841,000 | 55,353,000 | 56,333,000 |
| Noninterest-bearing deposits | 6,045,000 | 6,613,000 | 7,784,000 | 7,655,000 |
| Equity capital | 5,928,000 | 5,886,000 | 6,150,000 | 6,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,109,000 | 2,224,000 | 3,477,000 | 4,603,000 |
| Interest expense | 643,000 | 1,213,000 | 1,755,000 | 2,304,000 |
| Net interest income | 466,000 | 1,011,000 | 1,722,000 | 2,299,000 |
| Noninterest income | 94,000 | 191,000 | 324,000 | 447,000 |
| Noninterest expense | 521,000 | 1,016,000 | 1,546,000 | 2,091,000 |
| Provision for loan losses | 0 | 20,000 | 70,000 | 140,000 |
| Pretax income | 39,000 | 169,000 | 433,000 | 518,000 |
| Income tax | 0 | 0 | 3,000 | -32,000 |
| Net income | 39,000 | 169,000 | 430,000 | 550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,840,000 | 5,871,000 | 6,131,000 | 6,121,000 |
| Total capital | 6,410,000 | 6,460,000 | 6,773,000 | 6,763,000 |
| Risk-weighted assets | 53,339,000 | 54,939,000 | 55,441,000 | 57,163,000 |