Call reports 2015
COMMUNITY FIRST BANKING COMPANY — 2015
What COMMUNITY FIRST BANKING COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 150,636,000 | 152,514,000 | 153,397,000 | 158,183,000 |
| Total loans | 111,230,000 | 113,096,000 | 117,005,000 | 120,599,000 |
| Allowance for loan losses | 1,667,000 | 1,677,000 | 1,692,000 | 1,724,000 |
| Securities available for sale | 24,625,000 | 24,154,000 | 23,966,000 | 23,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,301,000 | 128,768,000 | 126,156,000 | 125,751,000 |
| Interest-bearing deposits | 114,343,000 | 113,724,000 | 110,921,000 | 110,692,000 |
| Noninterest-bearing deposits | 14,958,000 | 15,044,000 | 15,235,000 | 15,059,000 |
| Equity capital | 20,326,000 | 20,471,000 | 21,123,000 | 21,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,541,000 | 3,107,000 | 4,730,000 | 6,378,000 |
| Interest expense | 162,000 | 308,000 | 450,000 | 588,000 |
| Net interest income | 1,379,000 | 2,799,000 | 4,280,000 | 5,790,000 |
| Noninterest income | 291,000 | 593,000 | 857,000 | 1,174,000 |
| Noninterest expense | 984,000 | 2,011,000 | 2,993,000 | 4,131,000 |
| Provision for loan losses | 35,000 | 50,000 | 65,000 | 100,000 |
| Pretax income | 651,000 | 1,351,000 | 2,099,000 | 2,753,000 |
| Income tax | 18,000 | 26,000 | 33,000 | 41,000 |
| Net income | 633,000 | 1,325,000 | 2,066,000 | 2,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,858,000 | 20,280,000 | 20,750,000 | 21,127,000 |
| Total capital | 21,318,000 | 21,760,000 | 22,247,000 | 22,676,000 |
| Risk-weighted assets | 116,575,000 | 118,191,000 | 119,592,000 | 123,771,000 |