Call reports 2009
COMMUNITY FIRST BANK & TRUST — 2009
What COMMUNITY FIRST BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 716,819,000 | 734,872,000 | 704,550,000 | 699,494,000 |
| Total loans | 563,701,000 | 565,815,000 | 563,825,000 | 545,925,000 |
| Allowance for loan losses | 9,013,000 | 10,696,000 | 13,860,000 | 13,347,000 |
| Securities available for sale | 83,784,000 | 79,581,000 | 76,307,000 | 75,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 615,110,000 | 634,005,000 | 605,743,000 | 609,150,000 |
| Interest-bearing deposits | 568,301,000 | 584,080,000 | 559,743,000 | 561,781,000 |
| Noninterest-bearing deposits | 46,809,000 | 49,925,000 | 46,000,000 | 47,369,000 |
| Equity capital | 68,990,000 | 67,436,000 | 65,964,000 | 62,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,715,000 | 17,525,000 | 26,428,000 | 35,186,000 |
| Interest expense | 4,391,000 | 8,658,000 | 12,620,000 | 16,009,000 |
| Net interest income | 4,324,000 | 8,867,000 | 13,808,000 | 19,177,000 |
| Noninterest income | 295,000 | 1,304,000 | 1,815,000 | 2,807,000 |
| Noninterest expense | 4,730,000 | 9,646,000 | 14,503,000 | 21,033,000 |
| Provision for loan losses | 1,288,000 | 3,520,000 | 6,904,000 | 10,921,000 |
| Pretax income | -1,734,000 | -2,540,000 | -5,324,000 | -8,835,000 |
| Income tax | -507,000 | -939,000 | -744,000 | -1,035,000 |
| Net income | -1,227,000 | -1,609,000 | -4,588,000 | -7,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,506,000 | 61,205,000 | 58,307,000 | 55,003,000 |
| Total capital | 68,824,000 | 68,533,000 | 65,494,000 | 61,937,000 |
| Risk-weighted assets | 583,714,000 | 582,853,000 | 568,273,000 | 548,216,000 |