Call reports 2006
COMMUNITY FIRST BANK — 2006
What COMMUNITY FIRST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 254,604,000 | 255,007,000 | 253,606,000 | 256,429,000 |
| Total loans | 154,730,000 | 158,024,000 | 159,832,000 | 161,766,000 |
| Allowance for loan losses | 2,387,000 | 2,365,000 | 2,397,000 | 2,426,000 |
| Securities available for sale | 79,016,000 | 76,237,000 | 73,629,000 | 74,274,000 |
| Securities held to maturity | 7,475,000 | 7,474,000 | 6,299,000 | 6,242,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,348,000 | 180,680,000 | 178,150,000 | 172,317,000 |
| Interest-bearing deposits | 147,907,000 | 162,108,000 | 160,453,000 | 155,034,000 |
| Noninterest-bearing deposits | 17,441,000 | 18,572,000 | 17,697,000 | 17,283,000 |
| Equity capital | 19,678,000 | 19,951,000 | 20,207,000 | 19,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,873,000 | 7,876,000 | 11,965,000 | 16,129,000 |
| Interest expense | 1,867,000 | 3,837,000 | 5,983,000 | 8,117,000 |
| Net interest income | 2,006,000 | 4,039,000 | 5,982,000 | 8,012,000 |
| Noninterest income | 385,000 | 789,000 | 1,174,000 | 1,570,000 |
| Noninterest expense | 1,621,000 | 3,329,000 | 4,972,000 | 6,589,000 |
| Provision for loan losses | 50,000 | 75,000 | 170,000 | 277,000 |
| Pretax income | 741,000 | 1,445,000 | 2,035,000 | 2,737,000 |
| Income tax | 257,000 | 499,000 | 702,000 | 924,000 |
| Net income | 484,000 | 946,000 | 1,333,000 | 1,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,990,000 | 20,302,000 | 20,540,000 | 19,940,000 |
| Total capital | 21,965,000 | 22,293,000 | 22,524,000 | 21,940,000 |
| Risk-weighted assets | 157,656,000 | 158,923,000 | 158,291,000 | 159,572,000 |