Call reports 2009
COMMUNITY FIRST BANK — 2009
What COMMUNITY FIRST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 259,107,000 | 256,347,000 | 261,168,000 | 249,622,000 |
| Total loans | 205,689,000 | 201,274,000 | 199,374,000 | 191,882,000 |
| Allowance for loan losses | 2,052,000 | 2,863,000 | 4,600,000 | 4,684,000 |
| Securities available for sale | 39,972,000 | 42,320,000 | 45,073,000 | 37,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,384,000 | 199,331,000 | 205,390,000 | 206,352,000 |
| Interest-bearing deposits | 187,711,000 | 182,408,000 | 188,506,000 | 185,308,000 |
| Noninterest-bearing deposits | 15,673,000 | 16,923,000 | 16,884,000 | 21,044,000 |
| Equity capital | 22,169,000 | 25,668,000 | 23,047,000 | 19,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,482,000 | 6,972,000 | 10,409,000 | 13,678,000 |
| Interest expense | 1,335,000 | 2,635,000 | 3,863,000 | 5,018,000 |
| Net interest income | 2,147,000 | 4,337,000 | 6,546,000 | 8,660,000 |
| Noninterest income | 383,000 | 742,000 | 1,119,000 | 1,527,000 |
| Noninterest expense | 1,769,000 | 3,638,000 | 5,209,000 | 6,833,000 |
| Provision for loan losses | 771,000 | 3,045,000 | 7,022,000 | 11,099,000 |
| Pretax income | 79,000 | -1,515,000 | -4,357,000 | -7,127,000 |
| Income tax | 6,000 | 11,000 | 15,000 | 15,000 |
| Net income | 73,000 | -1,526,000 | -4,372,000 | -7,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,248,000 | 24,699,000 | 21,853,000 | 19,083,000 |
| Total capital | 23,300,000 | 27,141,000 | 24,270,000 | 21,408,000 |
| Risk-weighted assets | 198,894,000 | 195,279,000 | 190,797,000 | 183,640,000 |