Call reports 2014
COMMUNITY FIRST BANKING COMPANY — 2014
What COMMUNITY FIRST BANKING COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 149,296,000 | 151,663,000 | 148,859,000 | 148,521,000 |
| Total loans | 109,274,000 | 109,818,000 | 111,082,000 | 112,005,000 |
| Allowance for loan losses | 1,856,000 | 1,783,000 | 1,575,000 | 1,629,000 |
| Securities available for sale | 22,785,000 | 23,570,000 | 22,650,000 | 22,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,302,000 | 131,550,000 | 128,004,000 | 127,243,000 |
| Interest-bearing deposits | 115,997,000 | 116,293,000 | 112,376,000 | 111,061,000 |
| Noninterest-bearing deposits | 13,305,000 | 15,257,000 | 15,628,000 | 16,182,000 |
| Equity capital | 19,082,000 | 19,393,000 | 20,063,000 | 20,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,545,000 | 3,115,000 | 4,687,000 | 6,261,000 |
| Interest expense | 180,000 | 350,000 | 514,000 | 668,000 |
| Net interest income | 1,365,000 | 2,765,000 | 4,173,000 | 5,593,000 |
| Noninterest income | 260,000 | 546,000 | 772,000 | 1,117,000 |
| Noninterest expense | 978,000 | 2,034,000 | 3,056,000 | 4,166,000 |
| Provision for loan losses | 80,000 | 80,000 | 140,000 | 195,000 |
| Pretax income | 567,000 | 1,202,000 | 1,798,000 | 2,461,000 |
| Income tax | 1,000 | 3,000 | 5,000 | 8,000 |
| Net income | 566,000 | 1,199,000 | 1,793,000 | 2,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,962,000 | 19,080,000 | 19,674,000 | 20,094,000 |
| Total capital | 20,362,000 | 20,479,000 | 21,077,000 | 21,514,000 |
| Risk-weighted assets | 111,529,000 | 111,789,000 | 112,040,000 | 113,389,000 |