Call reports 2007
COMMUNITY FIRST BANK — 2007
What COMMUNITY FIRST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 108,565,000 | 102,132,000 | 101,788,000 | 108,235,000 |
| Total loans | 75,963,000 | 78,389,000 | 78,703,000 | 79,960,000 |
| Allowance for loan losses | 972,000 | 998,000 | 1,016,000 | 1,026,000 |
| Securities available for sale | 17,272,000 | 16,417,000 | 16,220,000 | 15,535,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,072,000 | 89,905,000 | 89,087,000 | 96,373,000 |
| Interest-bearing deposits | 86,430,000 | 82,831,000 | 82,132,000 | 88,787,000 |
| Noninterest-bearing deposits | 6,642,000 | 7,074,000 | 6,954,000 | 7,586,000 |
| Equity capital | 9,174,000 | 8,451,000 | 8,845,000 | 9,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,737,000 | 3,514,000 | 5,271,000 | 7,011,000 |
| Interest expense | 864,000 | 1,737,000 | 2,571,000 | 3,425,000 |
| Net interest income | 873,000 | 1,777,000 | 2,700,000 | 3,586,000 |
| Noninterest income | 141,000 | 284,000 | 433,000 | 596,000 |
| Noninterest expense | 553,000 | 1,170,000 | 1,799,000 | 2,405,000 |
| Provision for loan losses | 34,000 | 57,000 | 87,000 | 127,000 |
| Pretax income | 427,000 | 837,000 | 1,250,000 | 1,653,000 |
| Income tax | 159,000 | 310,000 | 459,000 | 612,000 |
| Net income | 268,000 | 527,000 | 791,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,658,000 | 8,065,000 | 8,344,000 | 8,604,000 |
| Total capital | 9,583,000 | 9,002,000 | 9,297,000 | 9,571,000 |
| Risk-weighted assets | 73,922,000 | 74,922,000 | 76,188,000 | 77,321,000 |