Call reports 2008
COMMUNITY FIRST BANK — 2008
What COMMUNITY FIRST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 106,063,000 | 105,351,000 | 105,602,000 | 110,890,000 |
| Total loans | 79,563,000 | 79,911,000 | 82,118,000 | 83,320,000 |
| Allowance for loan losses | 1,021,000 | 1,039,000 | 991,000 | 1,087,000 |
| Securities available for sale | 13,586,000 | 15,245,000 | 15,770,000 | 16,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,981,000 | 93,983,000 | 91,891,000 | 96,897,000 |
| Interest-bearing deposits | 86,574,000 | 87,063,000 | 84,432,000 | 89,512,000 |
| Noninterest-bearing deposits | 7,407,000 | 6,920,000 | 7,459,000 | 7,385,000 |
| Equity capital | 9,384,000 | 9,248,000 | 9,512,000 | 9,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,745,000 | 3,411,000 | 5,108,000 | 6,779,000 |
| Interest expense | 863,000 | 1,667,000 | 2,442,000 | 3,179,000 |
| Net interest income | 882,000 | 1,744,000 | 2,666,000 | 3,600,000 |
| Noninterest income | 135,000 | 275,000 | 418,000 | 560,000 |
| Noninterest expense | 562,000 | 1,116,000 | 1,678,000 | 2,322,000 |
| Provision for loan losses | 15,000 | 39,000 | 63,000 | 187,000 |
| Pretax income | 440,000 | 864,000 | 1,343,000 | 1,651,000 |
| Income tax | 0 | 8,000 | 30,000 | 48,000 |
| Net income | 440,000 | 856,000 | 1,313,000 | 1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,745,000 | 8,858,000 | 9,010,000 | 8,992,000 |
| Total capital | 9,705,000 | 9,815,000 | 9,977,000 | 9,969,000 |
| Risk-weighted assets | 76,692,000 | 76,457,000 | 77,309,000 | 78,060,000 |