Call reports 2005
COUNTY FIRST BANK — 2005
What COUNTY FIRST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 151,039,000 | 161,483,000 | 166,063,000 | 173,852,000 |
| Total loans | 96,831,000 | 102,065,000 | 103,821,000 | 106,446,000 |
| Allowance for loan losses | 970,000 | 970,000 | 972,000 | 1,002,000 |
| Securities available for sale | 11,260,000 | 9,350,000 | 9,293,000 | 9,255,000 |
| Securities held to maturity | 31,800,000 | 31,800,000 | 31,800,000 | 30,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,371,000 | 140,519,000 | 144,243,000 | 151,540,000 |
| Interest-bearing deposits | 109,206,000 | 115,339,000 | 117,969,000 | 124,262,000 |
| Noninterest-bearing deposits | 20,165,000 | 25,180,000 | 26,274,000 | 27,278,000 |
| Equity capital | 13,063,000 | 13,779,000 | 14,176,000 | 14,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,818,000 | 3,734,000 | 5,812,000 | 8,034,000 |
| Interest expense | 382,000 | 816,000 | 1,318,000 | 1,890,000 |
| Net interest income | 1,436,000 | 2,918,000 | 4,494,000 | 6,144,000 |
| Noninterest income | 86,000 | 173,000 | 307,000 | 469,000 |
| Noninterest expense | 938,000 | 1,929,000 | 2,980,000 | 4,046,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 584,000 | 1,162,000 | 1,821,000 | 2,547,000 |
| Income tax | 193,000 | 384,000 | 611,000 | 828,000 |
| Net income | 391,000 | 778,000 | 1,210,000 | 1,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,211,000 | 13,872,000 | 14,303,000 | 14,812,000 |
| Total capital | 14,279,000 | 14,940,000 | 15,373,000 | 15,904,000 |
| Risk-weighted assets | 124,169,000 | 133,914,000 | 138,425,000 | 142,274,000 |