Call reports 2005
COMMUNITY FIRST BANK — 2005
What COMMUNITY FIRST BANK 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 | 346,419,000 | 356,776,000 | 351,568,000 | 362,198,000 |
| Total loans | 291,050,000 | 291,467,000 | 288,496,000 | 292,801,000 |
| Allowance for loan losses | 3,434,000 | 3,774,000 | 3,982,000 | 3,184,000 |
| Securities available for sale | 35,839,000 | 37,589,000 | 42,954,000 | 42,290,000 |
| Securities held to maturity | 185,000 | 105,000 | 105,000 | 105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,778,000 | 269,363,000 | 275,876,000 | 277,486,000 |
| Interest-bearing deposits | 248,319,000 | 247,344,000 | 253,711,000 | 254,788,000 |
| Noninterest-bearing deposits | 22,459,000 | 22,019,000 | 22,165,000 | 22,698,000 |
| Equity capital | 24,254,000 | 26,172,000 | 26,995,000 | 26,965,000 |
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 | 5,144,000 | 10,794,000 | 16,441,000 | 22,311,000 |
| Interest expense | 1,794,000 | 3,798,000 | 5,808,000 | 8,002,000 |
| Net interest income | 3,350,000 | 6,996,000 | 10,633,000 | 14,309,000 |
| Noninterest income | 1,679,000 | 2,616,000 | 3,389,000 | 4,181,000 |
| Noninterest expense | 3,024,000 | 4,859,000 | 7,508,000 | 10,262,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,050,000 | 1,875,000 |
| Pretax income | 1,556,000 | 3,929,000 | 5,390,000 | 6,279,000 |
| Income tax | 249,000 | 1,012,000 | 1,479,000 | 1,715,000 |
| Net income | 1,307,000 | 2,917,000 | 3,911,000 | 4,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,251,000 | 25,861,000 | 26,856,000 | 27,415,000 |
| Total capital | 27,544,000 | 29,227,000 | 30,273,000 | 30,599,000 |
| Risk-weighted assets | 263,228,000 | 268,874,000 | 272,827,000 | 281,997,000 |
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