Call reports 2007
COMMUNITY FIRST BANKING COMPANY — 2007
What COMMUNITY FIRST BANKING COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 127,988,000 | 127,584,000 | 130,789,000 | 134,394,000 |
| Total loans | 99,156,000 | 102,745,000 | 103,799,000 | 108,148,000 |
| Allowance for loan losses | 1,274,000 | 1,338,000 | 1,314,000 | 1,227,000 |
| Securities available for sale | 15,567,000 | 14,675,000 | 16,236,000 | 17,419,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,825,000 | 105,943,000 | 106,023,000 | 103,858,000 |
| Interest-bearing deposits | 89,521,000 | 94,429,000 | 93,754,000 | 93,085,000 |
| Noninterest-bearing deposits | 14,304,000 | 11,514,000 | 12,269,000 | 10,773,000 |
| Equity capital | 9,426,000 | 9,591,000 | 10,112,000 | 10,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,075,000 | 4,289,000 | 6,599,000 | 8,934,000 |
| Interest expense | 1,062,000 | 2,171,000 | 3,335,000 | 4,474,000 |
| Net interest income | 1,013,000 | 2,118,000 | 3,264,000 | 4,460,000 |
| Noninterest income | 286,000 | 539,000 | 782,000 | 1,027,000 |
| Noninterest expense | 928,000 | 1,890,000 | 2,845,000 | 3,821,000 |
| Provision for loan losses | 68,000 | 135,000 | 135,000 | 135,000 |
| Pretax income | 270,000 | 599,000 | 1,032,000 | 1,490,000 |
| Income tax | 226,000 | 228,000 | 231,000 | 233,000 |
| Net income | 44,000 | 371,000 | 801,000 | 1,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,279,000 | 9,605,000 | 9,943,000 | 10,400,000 |
| Total capital | 10,468,000 | 10,831,000 | 11,187,000 | 11,627,000 |
| Risk-weighted assets | 95,067,000 | 97,977,000 | 99,478,000 | 102,160,000 |