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 | 159,971,000 | 162,310,000 | 171,045,000 | 175,158,000 |
| Total loans | 115,489,000 | 121,476,000 | 130,458,000 | 133,065,000 |
| Allowance for loan losses | 1,483,000 | 1,456,000 | 1,494,000 | 1,526,000 |
| Securities available for sale | 33,012,000 | 28,090,000 | 24,535,000 | 28,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,419,000 | 136,571,000 | 144,118,000 | 148,737,000 |
| Interest-bearing deposits | 123,400,000 | 120,608,000 | 127,194,000 | 131,883,000 |
| Noninterest-bearing deposits | 14,019,000 | 15,963,000 | 16,924,000 | 16,854,000 |
| Equity capital | 14,023,000 | 13,596,000 | 13,682,000 | 14,112,000 |
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 | 2,162,000 | 4,473,000 | 6,979,000 | 9,665,000 |
| Interest expense | 718,000 | 1,480,000 | 2,377,000 | 3,418,000 |
| Net interest income | 1,444,000 | 2,993,000 | 4,602,000 | 6,247,000 |
| Noninterest income | 1,006,000 | 1,383,000 | 1,762,000 | 2,214,000 |
| Noninterest expense | 1,293,000 | 2,591,000 | 3,954,000 | 5,371,000 |
| Provision for loan losses | 132,000 | 171,000 | 210,000 | 249,000 |
| Pretax income | 924,000 | 1,521,000 | 2,081,000 | 2,722,000 |
| Income tax | 1,000 | 2,000 | 5,000 | 12,000 |
| Net income | 923,000 | 1,519,000 | 2,076,000 | 2,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,014,000 | 13,450,000 | 13,567,000 | 14,202,000 |
| Total capital | 15,473,000 | 14,906,000 | 15,061,000 | 15,728,000 |
| Risk-weighted assets | 116,732,000 | 118,311,000 | 122,797,000 | 129,228,000 |