Call reports 2009
COMMUNITY FIRSTBANK OF CHARLESTON — 2009
What COMMUNITY FIRSTBANK OF CHARLESTON 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 | 568,855,000 | 564,295,000 | 589,871,000 | 596,658,000 |
| Total loans | 372,365,000 | 382,700,000 | 386,740,000 | 400,486,000 |
| Allowance for loan losses | 5,660,000 | 5,853,000 | 5,344,000 | 6,317,000 |
| Securities available for sale | 60,034,000 | 56,973,000 | 70,212,000 | 68,898,000 |
| Securities held to maturity | 87,113,000 | 84,741,000 | 84,746,000 | 80,823,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,448,000 | 390,178,000 | 408,024,000 | 398,486,000 |
| Interest-bearing deposits | 370,403,000 | 365,244,000 | 380,942,000 | 373,219,000 |
| Noninterest-bearing deposits | 25,045,000 | 24,934,000 | 27,082,000 | 25,267,000 |
| Equity capital | 31,051,000 | 31,282,000 | 38,749,000 | 39,931,000 |
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 | 7,307,000 | 14,494,000 | 21,820,000 | 29,156,000 |
| Interest expense | 3,403,000 | 6,565,000 | 9,607,000 | 12,408,000 |
| Net interest income | 3,904,000 | 7,929,000 | 12,213,000 | 16,748,000 |
| Noninterest income | 284,000 | 649,000 | 4,380,000 | 12,049,000 |
| Noninterest expense | 2,797,000 | 6,459,000 | 12,081,000 | 20,164,000 |
| Provision for loan losses | 900,000 | 2,380,000 | 3,880,000 | 5,694,000 |
| Pretax income | 583,000 | -96,000 | 1,226,000 | 3,535,000 |
| Income tax | 215,000 | -32,000 | 466,000 | 1,341,000 |
| Net income | 368,000 | -64,000 | 760,000 | 2,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,658,000 | 36,926,000 | 43,732,000 | 45,166,000 |
| Total capital | 47,318,000 | 47,461,000 | 54,076,000 | 55,633,000 |
| Risk-weighted assets | 453,279,000 | 442,461,000 | 433,529,000 | 436,509,000 |