Call reports 2016
COMMUNITY FIRST BANKING COMPANY — 2016
What COMMUNITY FIRST BANKING COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 164,655,000 | 165,929,000 | 165,111,000 | 165,640,000 |
| Total loans | 119,509,000 | 123,249,000 | 122,869,000 | 124,701,000 |
| Allowance for loan losses | 1,740,000 | 1,758,000 | 1,696,000 | 1,365,000 |
| Securities available for sale | 24,245,000 | 25,439,000 | 25,917,000 | 27,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,769,000 | 143,643,000 | 141,935,000 | 142,355,000 |
| Interest-bearing deposits | 127,670,000 | 127,122,000 | 125,277,000 | 124,688,000 |
| Noninterest-bearing deposits | 15,099,000 | 16,521,000 | 16,658,000 | 17,667,000 |
| Equity capital | 21,060,000 | 21,650,000 | 22,015,000 | 21,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,637,000 | 3,302,000 | 5,006,000 | 6,701,000 |
| Interest expense | 159,000 | 310,000 | 456,000 | 592,000 |
| Net interest income | 1,478,000 | 2,992,000 | 4,550,000 | 6,109,000 |
| Noninterest income | 263,000 | 619,000 | 1,024,000 | 1,289,000 |
| Noninterest expense | 1,226,000 | 2,401,000 | 3,573,000 | 4,756,000 |
| Provision for loan losses | 20,000 | 38,000 | 65,000 | 125,000 |
| Pretax income | 543,000 | 1,244,000 | 2,008,000 | 2,589,000 |
| Income tax | 6,000 | 9,000 | 1,000 | 1,000 |
| Net income | 537,000 | 1,235,000 | 2,007,000 | 2,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,429,000 | 20,862,000 | 21,370,000 | 21,687,000 |
| Total capital | 21,973,000 | 22,443,000 | 22,974,000 | 23,052,000 |
| Risk-weighted assets | 123,348,000 | 126,322,000 | 128,241,000 | 130,763,000 |