Call reports 2006
COMMUNITY FIRST BANK INC. — 2006
What COMMUNITY FIRST BANK INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 336,513,000 | 338,674,000 | 336,160,000 | 354,109,000 |
| Total loans | 171,415,000 | 186,050,000 | 193,879,000 | 202,966,000 |
| Allowance for loan losses | 2,272,000 | 2,269,000 | 2,259,000 | 2,242,000 |
| Securities available for sale | 104,274,000 | 106,318,000 | 110,691,000 | 102,487,000 |
| Securities held to maturity | 7,475,000 | 7,181,000 | 6,863,000 | 6,595,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,796,000 | 301,953,000 | 297,676,000 | 309,329,000 |
| Interest-bearing deposits | 259,410,000 | 262,258,000 | 259,179,000 | 268,221,000 |
| Noninterest-bearing deposits | 39,386,000 | 39,695,000 | 38,497,000 | 41,108,000 |
| Equity capital | 28,536,000 | 29,058,000 | 30,775,000 | 32,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,647,000 | 9,450,000 | 14,391,000 | 19,598,000 |
| Interest expense | 2,351,000 | 4,898,000 | 7,581,000 | 10,422,000 |
| Net interest income | 2,296,000 | 4,552,000 | 6,810,000 | 9,176,000 |
| Noninterest income | 540,000 | 1,079,000 | 1,639,000 | 2,156,000 |
| Noninterest expense | 1,357,000 | 3,058,000 | 4,520,000 | 6,680,000 |
| Provision for loan losses | 25,000 | 50,000 | 65,000 | 65,000 |
| Pretax income | 1,454,000 | 2,523,000 | 3,864,000 | 4,587,000 |
| Income tax | 488,000 | 833,000 | 1,273,000 | 1,545,000 |
| Net income | 966,000 | 1,690,000 | 2,591,000 | 3,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,087,000 | 30,910,000 | 31,889,000 | 32,755,000 |
| Total capital | 32,359,000 | 33,179,000 | 34,148,000 | 34,997,000 |
| Risk-weighted assets | 202,675,000 | 213,996,000 | 216,439,000 | 225,788,000 |