Call reports 2008
COMMUNITY FIRST BANK — 2008
What COMMUNITY FIRST 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 | 518,487,000 | 553,552,000 | 552,985,000 | 562,786,000 |
| Total loans | 422,847,000 | 447,289,000 | 446,911,000 | 431,895,000 |
| Allowance for loan losses | 4,187,000 | 4,170,000 | 4,658,000 | 5,010,000 |
| Securities available for sale | 60,858,000 | 59,087,000 | 59,387,000 | 64,110,000 |
| Securities held to maturity | 90,000 | 90,000 | 90,000 | 90,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,411,000 | 383,763,000 | 405,179,000 | 406,660,000 |
| Interest-bearing deposits | 317,523,000 | 359,639,000 | 381,200,000 | 381,385,000 |
| Noninterest-bearing deposits | 25,889,000 | 24,124,000 | 23,979,000 | 25,275,000 |
| Equity capital | 38,216,000 | 40,438,000 | 41,785,000 | 43,492,000 |
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 | 8,808,000 | 17,704,000 | 26,514,000 | 34,966,000 |
| Interest expense | 4,057,000 | 7,767,000 | 11,753,000 | 15,759,000 |
| Net interest income | 4,751,000 | 9,937,000 | 14,761,000 | 19,207,000 |
| Noninterest income | 1,139,000 | 2,235,000 | 3,381,000 | 5,114,000 |
| Noninterest expense | 3,487,000 | 7,063,000 | 10,973,000 | 14,329,000 |
| Provision for loan losses | 1,273,000 | 2,275,000 | 3,075,000 | 4,600,000 |
| Pretax income | 1,155,000 | 2,871,000 | 4,131,000 | 5,429,000 |
| Income tax | 358,000 | 950,000 | 1,366,000 | 1,694,000 |
| Net income | 797,000 | 1,921,000 | 2,765,000 | 3,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,087,000 | 40,962,000 | 42,555,000 | 42,938,000 |
| Total capital | 42,274,000 | 45,132,000 | 47,213,000 | 47,948,000 |
| Risk-weighted assets | 416,835,000 | 438,272,000 | 438,504,000 | 424,169,000 |