Call reports 2006
COMMUNITY FIRST BANK — 2006
What COMMUNITY FIRST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 96,870,000 | 103,766,000 | 102,877,000 | 108,020,000 |
| Total loans | 76,090,000 | 79,756,000 | 80,291,000 | 79,133,000 |
| Allowance for loan losses | 1,210,000 | 1,191,000 | 1,187,000 | 1,057,000 |
| Securities available for sale | 15,882,000 | 16,598,000 | 16,562,000 | 14,925,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,463,000 | 88,263,000 | 87,279,000 | 92,895,000 |
| Interest-bearing deposits | 75,089,000 | 80,974,000 | 79,811,000 | 85,561,000 |
| Noninterest-bearing deposits | 7,374,000 | 7,289,000 | 7,468,000 | 7,334,000 |
| Equity capital | 8,894,000 | 8,883,000 | 8,921,000 | 8,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,461,000 | 3,017,000 | 4,705,000 | 6,436,000 |
| Interest expense | 611,000 | 1,273,000 | 2,038,000 | 2,863,000 |
| Net interest income | 850,000 | 1,744,000 | 2,667,000 | 3,573,000 |
| Noninterest income | 139,000 | 310,000 | 450,000 | 590,000 |
| Noninterest expense | 515,000 | 1,059,000 | 1,624,000 | 2,181,000 |
| Provision for loan losses | 18,000 | 19,000 | 19,000 | 119,000 |
| Pretax income | 456,000 | 977,000 | 1,475,000 | 1,842,000 |
| Income tax | 170,000 | 368,000 | 555,000 | 698,000 |
| Net income | 286,000 | 609,000 | 920,000 | 1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,460,000 | 8,504,000 | 8,467,000 | 8,466,000 |
| Total capital | 9,343,000 | 9,446,000 | 9,499,000 | 9,433,000 |
| Risk-weighted assets | 70,316,000 | 74,941,000 | 82,385,000 | 77,278,000 |