Call reports 2005
COMMUNITY FIRST BANK INC. — 2005
What COMMUNITY FIRST BANK INC. 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 | 307,446,000 | 301,378,000 | 302,558,000 | 321,315,000 |
| Total loans | 160,520,000 | 165,655,000 | 168,006,000 | 169,318,000 |
| Allowance for loan losses | 2,346,000 | 2,337,000 | 2,299,000 | 2,266,000 |
| Securities available for sale | 102,230,000 | 95,053,000 | 95,035,000 | 102,069,000 |
| Securities held to maturity | 8,999,000 | 8,621,000 | 8,143,000 | 7,751,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,818,000 | 265,741,000 | 265,992,000 | 281,716,000 |
| Interest-bearing deposits | 236,452,000 | 231,254,000 | 228,571,000 | 242,733,000 |
| Noninterest-bearing deposits | 35,366,000 | 34,487,000 | 37,421,000 | 38,983,000 |
| Equity capital | 25,095,000 | 26,379,000 | 27,274,000 | 27,723,000 |
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 | 3,852,000 | 7,757,000 | 11,770,000 | 15,924,000 |
| Interest expense | 1,462,000 | 2,977,000 | 4,732,000 | 6,636,000 |
| Net interest income | 2,390,000 | 4,780,000 | 7,038,000 | 9,288,000 |
| Noninterest income | 482,000 | 1,034,000 | 1,576,000 | 2,134,000 |
| Noninterest expense | 1,299,000 | 2,632,000 | 4,010,000 | 5,369,000 |
| Provision for loan losses | 140,000 | 215,000 | 215,000 | 250,000 |
| Pretax income | 1,433,000 | 2,967,000 | 4,389,000 | 5,803,000 |
| Income tax | 507,000 | 1,049,000 | 1,539,000 | 2,052,000 |
| Net income | 926,000 | 1,918,000 | 2,850,000 | 3,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,296,000 | 27,288,000 | 28,219,000 | 29,120,000 |
| Total capital | 28,499,000 | 29,549,000 | 30,518,000 | 31,386,000 |
| Risk-weighted assets | 176,079,000 | 180,823,000 | 184,056,000 | 194,533,000 |