Call reports 2005
COMMUNITY FIRST BANK & TRUST — 2005
What COMMUNITY FIRST BANK & TRUST 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 | 268,419,000 | 284,195,000 | 311,074,000 | 328,289,000 |
| Total loans | 223,297,000 | 237,079,000 | 259,023,000 | 261,308,000 |
| Allowance for loan losses | 2,822,000 | 2,945,000 | 3,248,000 | 3,268,000 |
| Securities available for sale | 26,191,000 | 27,448,000 | 25,533,000 | 29,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,155,000 | 250,033,000 | 271,638,000 | 287,029,000 |
| Interest-bearing deposits | 213,100,000 | 221,111,000 | 241,689,000 | 253,744,000 |
| Noninterest-bearing deposits | 22,055,000 | 28,922,000 | 29,949,000 | 33,285,000 |
| Equity capital | 24,149,000 | 24,868,000 | 30,054,000 | 30,871,000 |
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 | 3,601,000 | 7,656,000 | 12,282,000 | 17,297,000 |
| Interest expense | 1,296,000 | 2,792,000 | 4,616,000 | 6,735,000 |
| Net interest income | 2,305,000 | 4,864,000 | 7,666,000 | 10,562,000 |
| Noninterest income | 489,000 | 1,049,000 | 1,735,000 | 2,359,000 |
| Noninterest expense | 1,708,000 | 3,599,000 | 5,727,000 | 7,893,000 |
| Provision for loan losses | 123,000 | 249,000 | 634,000 | 683,000 |
| Pretax income | 963,000 | 2,065,000 | 3,040,000 | 4,345,000 |
| Income tax | 325,000 | 693,000 | 990,000 | 1,412,000 |
| Net income | 638,000 | 1,372,000 | 2,050,000 | 2,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,320,000 | 24,954,000 | 30,131,000 | 31,015,000 |
| Total capital | 27,142,000 | 27,899,000 | 33,379,000 | 34,283,000 |
| Risk-weighted assets | 228,613,000 | 244,926,000 | 269,616,000 | 277,075,000 |