Call reports 2012
COMMUNITY FIRST BANKING COMPANY — 2012
What COMMUNITY FIRST BANKING COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 144,541,000 | 142,906,000 | 139,831,000 | 141,411,000 |
| Total loans | 104,016,000 | 102,461,000 | 107,391,000 | 105,186,000 |
| Allowance for loan losses | 2,044,000 | 1,780,000 | 1,898,000 | 1,983,000 |
| Securities available for sale | 16,998,000 | 16,613,000 | 16,881,000 | 14,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,273,000 | 127,239,000 | 123,642,000 | 124,898,000 |
| Interest-bearing deposits | 112,174,000 | 110,951,000 | 107,285,000 | 108,575,000 |
| Noninterest-bearing deposits | 17,099,000 | 16,288,000 | 16,357,000 | 16,323,000 |
| Equity capital | 14,514,000 | 15,050,000 | 15,524,000 | 15,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,646,000 | 3,242,000 | 4,833,000 | 6,420,000 |
| Interest expense | 274,000 | 528,000 | 771,000 | 1,002,000 |
| Net interest income | 1,372,000 | 2,714,000 | 4,062,000 | 5,418,000 |
| Noninterest income | 321,000 | 615,000 | 915,000 | 1,202,000 |
| Noninterest expense | 968,000 | 1,877,000 | 2,823,000 | 3,792,000 |
| Provision for loan losses | 90,000 | 135,000 | 225,000 | 320,000 |
| Pretax income | 635,000 | 1,317,000 | 1,929,000 | 2,663,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 633,000 | 1,315,000 | 1,927,000 | 2,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,974,000 | 14,474,000 | 14,867,000 | 15,272,000 |
| Total capital | 15,214,000 | 15,694,000 | 16,239,000 | 16,546,000 |
| Risk-weighted assets | 98,386,000 | 97,042,000 | 109,229,000 | 101,230,000 |