Call reports 2009
COMMUNITY FIRST BANK — 2009
What COMMUNITY FIRST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 108,521,000 | 113,320,000 | 113,243,000 | 122,830,000 |
| Total loans | 84,426,000 | 86,326,000 | 89,548,000 | 89,925,000 |
| Allowance for loan losses | 1,109,000 | 1,152,000 | 1,179,000 | 1,233,000 |
| Securities available for sale | 15,582,000 | 19,218,000 | 17,802,000 | 16,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,857,000 | 98,449,000 | 94,122,000 | 105,476,000 |
| Interest-bearing deposits | 86,803,000 | 91,004,000 | 86,731,000 | 96,416,000 |
| Noninterest-bearing deposits | 7,054,000 | 7,445,000 | 7,391,000 | 9,060,000 |
| Equity capital | 9,959,000 | 9,875,000 | 10,419,000 | 10,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,651,000 | 3,323,000 | 5,012,000 | 6,700,000 |
| Interest expense | 678,000 | 1,338,000 | 1,949,000 | 2,544,000 |
| Net interest income | 973,000 | 1,985,000 | 3,063,000 | 4,156,000 |
| Noninterest income | 126,000 | 263,000 | 417,000 | 560,000 |
| Noninterest expense | 631,000 | 1,256,000 | 1,852,000 | 2,510,000 |
| Provision for loan losses | 30,000 | 70,000 | 130,000 | 230,000 |
| Pretax income | 438,000 | 919,000 | 1,495,000 | 1,973,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 79,000 |
| Net income | 436,000 | 916,000 | 1,491,000 | 1,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,081,000 | 9,192,000 | 9,384,000 | 9,299,000 |
| Total capital | 10,063,000 | 10,207,000 | 10,430,000 | 10,377,000 |
| Risk-weighted assets | 78,431,000 | 81,041,000 | 83,585,000 | 85,604,000 |