Call reports 2011
COMMUNITY FIRST BANKING COMPANY — 2011
What COMMUNITY FIRST BANKING COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 131,164,000 | 132,031,000 | 130,096,000 | 132,322,000 |
| Total loans | 99,533,000 | 101,717,000 | 103,555,000 | 103,275,000 |
| Allowance for loan losses | 1,844,000 | 1,841,000 | 1,927,000 | 1,896,000 |
| Securities available for sale | 15,949,000 | 17,564,000 | 17,372,000 | 15,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,192,000 | 113,408,000 | 113,403,000 | 116,127,000 |
| Interest-bearing deposits | 101,250,000 | 100,816,000 | 102,622,000 | 103,823,000 |
| Noninterest-bearing deposits | 10,942,000 | 12,592,000 | 10,781,000 | 12,304,000 |
| Equity capital | 13,334,000 | 13,965,000 | 14,622,000 | 15,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,564,000 | 3,193,000 | 4,849,000 | 6,487,000 |
| Interest expense | 369,000 | 732,000 | 1,031,000 | 1,302,000 |
| Net interest income | 1,195,000 | 2,461,000 | 3,818,000 | 5,185,000 |
| Noninterest income | 287,000 | 625,000 | 943,000 | 1,217,000 |
| Noninterest expense | 871,000 | 1,797,000 | 2,724,000 | 3,679,000 |
| Provision for loan losses | 150,000 | 260,000 | 380,000 | 450,000 |
| Pretax income | 461,000 | 1,029,000 | 1,673,000 | 2,348,000 |
| Income tax | 14,000 | 6,000 | 6,000 | 6,000 |
| Net income | 447,000 | 1,023,000 | 1,667,000 | 2,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,108,000 | 13,531,000 | 13,970,000 | 14,467,000 |
| Total capital | 14,290,000 | 14,742,000 | 15,208,000 | 15,694,000 |
| Risk-weighted assets | 93,913,000 | 96,249,000 | 98,359,000 | 97,467,000 |