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 | 254,334,000 | 265,314,000 | 267,502,000 | 262,147,000 |
| Total loans | 156,646,000 | 156,079,000 | 156,113,000 | 154,418,000 |
| Allowance for loan losses | 2,346,000 | 2,382,000 | 2,379,000 | 2,355,000 |
| Securities available for sale | 77,305,000 | 88,789,000 | 91,528,000 | 87,122,000 |
| Securities held to maturity | 7,969,000 | 7,965,000 | 7,573,000 | 7,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,899,000 | 177,184,000 | 159,724,000 | 165,884,000 |
| Interest-bearing deposits | 150,241,000 | 161,263,000 | 141,275,000 | 147,786,000 |
| Noninterest-bearing deposits | 16,657,000 | 15,922,000 | 18,449,000 | 18,098,000 |
| Equity capital | 18,573,000 | 18,842,000 | 19,155,000 | 19,357,000 |
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 | 3,424,000 | 6,959,000 | 10,793,000 | 14,688,000 |
| Interest expense | 1,341,000 | 2,828,000 | 4,550,000 | 6,421,000 |
| Net interest income | 2,083,000 | 4,131,000 | 6,243,000 | 8,267,000 |
| Noninterest income | 263,000 | 586,000 | 995,000 | 1,380,000 |
| Noninterest expense | 1,522,000 | 3,079,000 | 4,707,000 | 6,391,000 |
| Provision for loan losses | 75,000 | 160,000 | 230,000 | 305,000 |
| Pretax income | 749,000 | 1,494,000 | 2,317,000 | 2,967,000 |
| Income tax | 277,000 | 464,000 | 754,000 | 943,000 |
| Net income | 472,000 | 1,030,000 | 1,563,000 | 2,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,550,000 | 18,957,000 | 19,343,000 | 19,655,000 |
| Total capital | 20,556,000 | 20,979,000 | 21,378,000 | 21,655,000 |
| Risk-weighted assets | 160,165,000 | 161,372,000 | 162,528,000 | 159,607,000 |