Call reports 2005
COMMUNITY FIRST BANKING COMPANY — 2005
What COMMUNITY FIRST BANKING COMPANY 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 | 88,370,000 | 90,687,000 | 94,349,000 | 91,976,000 |
| Total loans | 68,172,000 | 70,548,000 | 71,703,000 | 69,645,000 |
| Allowance for loan losses | 1,001,000 | 1,014,000 | 1,081,000 | 1,101,000 |
| Securities available for sale | 13,283,000 | 13,401,000 | 12,979,000 | 13,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,615,000 | 63,521,000 | 72,967,000 | 72,121,000 |
| Interest-bearing deposits | 52,411,000 | 52,537,000 | 61,466,000 | 60,617,000 |
| Noninterest-bearing deposits | 11,204,000 | 10,984,000 | 11,501,000 | 11,504,000 |
| Equity capital | 7,782,000 | 8,086,000 | 8,054,000 | 8,057,000 |
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 | 1,147,000 | 2,391,000 | 3,718,000 | 5,095,000 |
| Interest expense | 330,000 | 723,000 | 1,229,000 | 1,749,000 |
| Net interest income | 817,000 | 1,668,000 | 2,489,000 | 3,346,000 |
| Noninterest income | 182,000 | 374,000 | 575,000 | 773,000 |
| Noninterest expense | 646,000 | 1,292,000 | 1,996,000 | 2,736,000 |
| Provision for loan losses | 53,000 | 105,000 | 158,000 | 175,000 |
| Pretax income | 300,000 | 645,000 | 910,000 | 1,208,000 |
| Income tax | 109,000 | 235,000 | 332,000 | 439,000 |
| Net income | 191,000 | 410,000 | 578,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,019,000 | 8,238,000 | 8,013,000 | 8,051,000 |
| Total capital | 8,873,000 | 9,138,000 | 8,935,000 | 8,937,000 |
| Risk-weighted assets | 68,436,000 | 71,762,000 | 73,135,000 | 70,661,000 |