Call reports 2009
COMMUNITY FIRST BANKING COMPANY — 2009
What COMMUNITY FIRST BANKING COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 141,874,000 | 141,670,000 | 140,194,000 | 140,684,000 |
| Total loans | 108,884,000 | 107,097,000 | 105,860,000 | 104,290,000 |
| Allowance for loan losses | 1,488,000 | 1,404,000 | 1,567,000 | 1,579,000 |
| Securities available for sale | 17,655,000 | 18,310,000 | 16,332,000 | 16,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,864,000 | 112,327,000 | 112,813,000 | 115,340,000 |
| Interest-bearing deposits | 95,943,000 | 99,299,000 | 101,354,000 | 102,115,000 |
| Noninterest-bearing deposits | 14,921,000 | 13,028,000 | 11,459,000 | 13,225,000 |
| Equity capital | 11,314,000 | 11,764,000 | 12,159,000 | 12,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,953,000 | 3,865,000 | 5,754,000 | 7,574,000 |
| Interest expense | 760,000 | 1,454,000 | 2,075,000 | 2,607,000 |
| Net interest income | 1,193,000 | 2,411,000 | 3,679,000 | 4,967,000 |
| Noninterest income | 287,000 | 628,000 | 920,000 | 1,216,000 |
| Noninterest expense | 984,000 | 2,008,000 | 3,059,000 | 4,066,000 |
| Provision for loan losses | 150,000 | 385,000 | 610,000 | 835,000 |
| Pretax income | 346,000 | 659,000 | 1,014,000 | 1,366,000 |
| Income tax | 7,000 | 19,000 | 28,000 | 38,000 |
| Net income | 339,000 | 640,000 | 986,000 | 1,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,836,000 | 11,137,000 | 11,453,000 | 11,689,000 |
| Total capital | 12,129,000 | 12,405,000 | 12,716,000 | 12,948,000 |
| Risk-weighted assets | 103,191,000 | 101,313,000 | 100,696,000 | 100,382,000 |