Call reports 2006
COMMUNITY FIRSTBANK OF CHARLESTON — 2006
What COMMUNITY FIRSTBANK OF CHARLESTON 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 | 401,865,000 | 423,813,000 | 440,492,000 | 435,617,000 |
| Total loans | 341,066,000 | 366,626,000 | 370,350,000 | 373,155,000 |
| Allowance for loan losses | 3,485,000 | 3,835,000 | 4,207,000 | 4,442,000 |
| Securities available for sale | 34,414,000 | 34,305,000 | 34,812,000 | 37,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,154,000 | 331,372,000 | 329,856,000 | 334,345,000 |
| Interest-bearing deposits | 265,384,000 | 295,502,000 | 293,228,000 | 303,006,000 |
| Noninterest-bearing deposits | 33,770,000 | 35,870,000 | 36,628,000 | 31,339,000 |
| Equity capital | 26,428,000 | 27,433,000 | 28,897,000 | 30,047,000 |
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 | 6,328,000 | 13,709,000 | 21,813,000 | 29,958,000 |
| Interest expense | 3,012,000 | 6,716,000 | 10,851,000 | 15,196,000 |
| Net interest income | 3,316,000 | 6,993,000 | 10,962,000 | 14,762,000 |
| Noninterest income | 708,000 | 1,030,000 | 1,409,000 | 1,796,000 |
| Noninterest expense | 1,890,000 | 3,834,000 | 5,912,000 | 8,024,000 |
| Provision for loan losses | 225,000 | 575,000 | 950,000 | 1,185,000 |
| Pretax income | 1,603,000 | 3,308,000 | 5,203,000 | 7,043,000 |
| Income tax | 585,000 | 1,208,000 | 1,900,000 | 2,575,000 |
| Net income | 1,018,000 | 2,100,000 | 3,303,000 | 4,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,621,000 | 27,703,000 | 28,906,000 | 30,072,000 |
| Total capital | 35,106,000 | 36,538,000 | 38,113,000 | 39,514,000 |
| Risk-weighted assets | 329,832,000 | 357,875,000 | 364,375,000 | 369,714,000 |