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 | 223,145,000 | 236,749,000 | 242,668,000 | 249,464,000 |
| Total loans | 178,856,000 | 191,594,000 | 193,619,000 | 196,831,000 |
| Allowance for loan losses | 1,621,000 | 1,932,000 | 1,830,000 | 1,686,000 |
| Securities available for sale | 30,883,000 | 33,247,000 | 34,706,000 | 39,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,391,000 | 188,633,000 | 195,454,000 | 196,730,000 |
| Interest-bearing deposits | 161,327,000 | 172,157,000 | 179,647,000 | 179,540,000 |
| Noninterest-bearing deposits | 16,064,000 | 16,476,000 | 15,807,000 | 17,190,000 |
| Equity capital | 16,939,000 | 17,405,000 | 19,789,000 | 21,381,000 |
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 | 3,641,000 | 7,216,000 | 10,858,000 | 14,427,000 |
| Interest expense | 1,672,000 | 3,201,000 | 4,739,000 | 6,234,000 |
| Net interest income | 1,969,000 | 4,015,000 | 6,119,000 | 8,193,000 |
| Noninterest income | 391,000 | 897,000 | 1,277,000 | 1,690,000 |
| Noninterest expense | 1,620,000 | 3,170,000 | 4,732,000 | 6,179,000 |
| Provision for loan losses | 95,000 | 391,000 | 638,000 | 1,034,000 |
| Pretax income | 645,000 | 1,351,000 | 2,026,000 | 2,681,000 |
| Income tax | 12,000 | 20,000 | 27,000 | 35,000 |
| Net income | 633,000 | 1,331,000 | 1,999,000 | 2,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,168,000 | 17,460,000 | 19,627,000 | 20,725,000 |
| Total capital | 17,789,000 | 19,392,000 | 21,457,000 | 22,411,000 |
| Risk-weighted assets | 176,216,000 | 185,420,000 | 186,226,000 | 190,332,000 |