Call reports 2006
COMMUNITY FIRST BANKING COMPANY — 2006
What COMMUNITY FIRST BANKING COMPANY 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 | 99,436,000 | 111,356,000 | 120,967,000 | 120,253,000 |
| Total loans | 76,611,000 | 87,865,000 | 92,398,000 | 96,087,000 |
| Allowance for loan losses | 1,157,000 | 1,204,000 | 1,225,000 | 1,207,000 |
| Securities available for sale | 14,910,000 | 15,027,000 | 15,067,000 | 15,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,173,000 | 79,604,000 | 93,512,000 | 90,994,000 |
| Interest-bearing deposits | 61,726,000 | 66,385,000 | 81,383,000 | 78,928,000 |
| Noninterest-bearing deposits | 13,447,000 | 13,219,000 | 12,129,000 | 12,066,000 |
| Equity capital | 8,132,000 | 8,222,000 | 9,237,000 | 9,418,000 |
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 | 1,429,000 | 3,092,000 | 5,010,000 | 7,023,000 |
| Interest expense | 572,000 | 1,288,000 | 2,219,000 | 3,230,000 |
| Net interest income | 857,000 | 1,804,000 | 2,791,000 | 3,793,000 |
| Noninterest income | 245,000 | 418,000 | 644,000 | 839,000 |
| Noninterest expense | 773,000 | 1,631,000 | 2,542,000 | 3,434,000 |
| Provision for loan losses | 45,000 | 98,000 | 115,000 | 115,000 |
| Pretax income | 284,000 | 493,000 | 778,000 | 1,083,000 |
| Income tax | 102,000 | 170,000 | 269,000 | 374,000 |
| Net income | 182,000 | 323,000 | 509,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,130,000 | 8,271,000 | 9,157,000 | 9,296,000 |
| Total capital | 9,120,000 | 9,367,000 | 10,276,000 | 10,443,000 |
| Risk-weighted assets | 79,051,000 | 87,603,000 | 89,412,000 | 91,726,000 |