Call reports 2005
COMMUNITY FIRST BANK — 2005
What COMMUNITY FIRST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 95,955,000 | 98,094,000 | 95,946,000 | 96,574,000 |
| Total loans | 72,734,000 | 74,542,000 | 75,456,000 | 74,518,000 |
| Allowance for loan losses | 1,134,000 | 1,154,000 | 1,177,000 | 1,196,000 |
| Securities available for sale | 14,949,000 | 15,791,000 | 15,453,000 | 16,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,613,000 | 84,741,000 | 82,505,000 | 82,113,000 |
| Interest-bearing deposits | 76,649,000 | 78,162,000 | 75,812,000 | 75,167,000 |
| Noninterest-bearing deposits | 5,964,000 | 6,579,000 | 6,693,000 | 6,946,000 |
| Equity capital | 8,568,000 | 8,681,000 | 8,754,000 | 8,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,296,000 | 2,656,000 | 4,066,000 | 5,483,000 |
| Interest expense | 515,000 | 1,059,000 | 1,624,000 | 2,187,000 |
| Net interest income | 781,000 | 1,597,000 | 2,442,000 | 3,296,000 |
| Noninterest income | 108,000 | 229,000 | 364,000 | 527,000 |
| Noninterest expense | 439,000 | 857,000 | 1,349,000 | 1,944,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 95,000 |
| Pretax income | 426,000 | 921,000 | 1,385,000 | 1,784,000 |
| Income tax | 154,000 | 332,000 | 490,000 | 615,000 |
| Net income | 272,000 | 589,000 | 895,000 | 1,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,045,000 | 8,087,000 | 8,211,000 | 8,359,000 |
| Total capital | 8,892,000 | 8,957,000 | 9,080,000 | 9,221,000 |
| Risk-weighted assets | 67,437,000 | 69,323,000 | 69,349,000 | 68,590,000 |