Call reports 2008
COMMUNITY FIRST BANKING COMPANY — 2008
What COMMUNITY FIRST BANKING COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 137,417,000 | 138,702,000 | 137,613,000 | 140,665,000 |
| Total loans | 109,255,000 | 111,302,000 | 108,489,000 | 111,037,000 |
| Allowance for loan losses | 1,188,000 | 1,231,000 | 1,253,000 | 1,377,000 |
| Securities available for sale | 17,379,000 | 17,341,000 | 16,887,000 | 17,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,511,000 | 108,145,000 | 104,892,000 | 105,290,000 |
| Interest-bearing deposits | 97,145,000 | 96,806,000 | 93,507,000 | 89,854,000 |
| Noninterest-bearing deposits | 11,366,000 | 11,339,000 | 11,385,000 | 15,436,000 |
| Equity capital | 10,755,000 | 10,654,000 | 10,806,000 | 10,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,237,000 | 4,435,000 | 6,538,000 | 8,529,000 |
| Interest expense | 1,080,000 | 2,007,000 | 2,875,000 | 3,621,000 |
| Net interest income | 1,157,000 | 2,428,000 | 3,663,000 | 4,908,000 |
| Noninterest income | 282,000 | 639,000 | 956,000 | 1,242,000 |
| Noninterest expense | 985,000 | 1,974,000 | 2,954,000 | 3,990,000 |
| Provision for loan losses | 38,000 | 86,000 | 161,000 | 386,000 |
| Pretax income | 416,000 | 1,031,000 | 1,528,000 | 1,798,000 |
| Income tax | 0 | 45,000 | 49,000 | 54,000 |
| Net income | 416,000 | 986,000 | 1,479,000 | 1,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,230,000 | 10,317,000 | 10,622,000 | 10,429,000 |
| Total capital | 11,418,000 | 11,548,000 | 11,875,000 | 11,732,000 |
| Risk-weighted assets | 103,944,000 | 104,315,000 | 101,843,000 | 104,129,000 |