Call reports 2008
COMMUNITY FINANCIAL BANK — 2008
What COMMUNITY FINANCIAL 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 | 28,392,000 | 28,983,000 | 28,264,000 | 28,634,000 |
| Total loans | 17,416,000 | 17,282,000 | 20,980,000 | 22,077,000 |
| Allowance for loan losses | 373,000 | 356,000 | 325,000 | 320,000 |
| Securities available for sale | 4,491,000 | 4,327,000 | 4,058,000 | 3,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,230,000 | 23,798,000 | 23,202,000 | 21,131,000 |
| Interest-bearing deposits | 20,902,000 | 21,691,000 | 20,665,000 | 18,771,000 |
| Noninterest-bearing deposits | 2,328,000 | 2,107,000 | 2,538,000 | 2,360,000 |
| Equity capital | 5,033,000 | 4,987,000 | 4,940,000 | 5,032,000 |
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 | 432,000 | 839,000 | 1,249,000 | 1,678,000 |
| Interest expense | 183,000 | 361,000 | 524,000 | 656,000 |
| Net interest income | 249,000 | 478,000 | 725,000 | 1,022,000 |
| Noninterest income | 25,000 | 49,000 | 75,000 | 118,000 |
| Noninterest expense | 232,000 | 510,000 | 791,000 | 1,054,000 |
| Provision for loan losses | 6,000 | 13,000 | 26,000 | 38,000 |
| Pretax income | 36,000 | 4,000 | -17,000 | 48,000 |
| Income tax | 9,000 | 9,000 | 9,000 | -30,000 |
| Net income | 27,000 | -5,000 | -26,000 | 78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,016,000 | 4,984,000 | 4,963,000 | 5,067,000 |
| Total capital | 5,270,000 | 5,252,000 | 5,261,000 | 5,366,000 |
| Risk-weighted assets | 19,421,000 | 21,389,000 | 23,806,000 | 23,911,000 |