Call reports 2010
COMMUNITY FIRST BANKING COMPANY — 2010
What COMMUNITY FIRST BANKING COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 128,371,000 | 130,052,000 | 127,441,000 | 129,988,000 |
| Total loans | 98,343,000 | 99,432,000 | 100,820,000 | 97,449,000 |
| Allowance for loan losses | 1,571,000 | 1,638,000 | 1,749,000 | 1,785,000 |
| Securities available for sale | 16,012,000 | 15,030,000 | 16,999,000 | 15,674,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,996,000 | 110,430,000 | 108,876,000 | 110,958,000 |
| Interest-bearing deposits | 97,192,000 | 99,112,000 | 97,323,000 | 97,514,000 |
| Noninterest-bearing deposits | 10,804,000 | 11,318,000 | 11,553,000 | 13,444,000 |
| Equity capital | 12,572,000 | 12,665,000 | 13,256,000 | 13,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,704,000 | 3,320,000 | 5,037,000 | 6,694,000 |
| Interest expense | 485,000 | 916,000 | 1,312,000 | 1,671,000 |
| Net interest income | 1,219,000 | 2,404,000 | 3,725,000 | 5,023,000 |
| Noninterest income | 485,000 | 751,000 | 1,098,000 | 1,445,000 |
| Noninterest expense | 1,017,000 | 1,943,000 | 2,833,000 | 3,866,000 |
| Provision for loan losses | 121,000 | 225,000 | 375,000 | 460,000 |
| Pretax income | 566,000 | 987,000 | 1,615,000 | 2,142,000 |
| Income tax | 103,000 | 106,000 | 106,000 | 106,000 |
| Net income | 463,000 | 881,000 | 1,509,000 | 2,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,180,000 | 12,384,000 | 12,822,000 | 13,047,000 |
| Total capital | 13,360,000 | 13,591,000 | 14,031,000 | 14,231,000 |
| Risk-weighted assets | 94,033,000 | 96,163,000 | 96,204,000 | 94,145,000 |