Community First Bancshares (CFBI) annual balance sheet covering fiscal 2016 through 2019, as reported to the SEC.
Total assets have grown 11.1% a year on average since fiscal 2016, from $232.83M to $319.29M, rising in every year shown.
A balance sheet shows what a company owns and what it owes on a single date. The difference between the two belongs to shareholders.
| Dec'19 | Sep'18 | Sep'17 | Sep'16 | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||||
Cash and due from banks, including reserve requirement of $0 and $1,523 at September 30, 2020 and December 31, 2019, respectively | |||||||||||||||||||
3,965 | 4,428 | 3,625 | 4,272 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Cash and due from banks, including reserve requirement of $0 and $1,523 at September 30, 2020 and December 31, 2019, respectively | 3,965 | 4,428 | 3,625 | 4,272 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Interest-earning deposits in other depository institutions | |||||||||||||||||||
44,152 | 36,368 | 32,318 | 21,421 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Interest-earning deposits in other depository institutions | 44,152 | 36,368 | 32,318 | 21,421 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Cash and cash equivalents | |||||||||||||||||||
48,117 | 40,796 | 35,943 | 25,693 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Cash and cash equivalents | 48,117 | 40,796 | 35,943 | 25,693 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Investment securities held-to-maturity (estimated fair values of $993 and $990) at December 31, 2018 and September 30, 2018, respectively | |||||||||||||||||||
- | 1,000 | 1,000 | 7,499 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Investment securities held-to-maturity (estimated fair values of $993 and $990) at December 31, 2018 and September 30, 2018, respectively | - | 1,000 | 1,000 | 7,499 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Investment securities available-for-sale | |||||||||||||||||||
3,818 | 21,360 | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Investment securities available-for-sale | 3,818 | 21,360 | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Other investments | |||||||||||||||||||
278 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Other investments | 278 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Investment securities available-for-sale | |||||||||||||||||||
- | - | 14,345 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Investment securities available-for-sale | - | - | 14,345 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Federal Home Loan Bank stock | |||||||||||||||||||
- | 580 | 216 | 205 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Federal Home Loan Bank stock | - | 580 | 216 | 205 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Loans held for sale | |||||||||||||||||||
- | - | 117 | 472 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Loans held for sale | - | - | 117 | 472 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Loans, net | |||||||||||||||||||
247,956 | 222,485 | 213,193 | 189,578 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Loans, net | 247,956 | 222,485 | 213,193 | 189,578 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Other real estate owned | |||||||||||||||||||
140 | 67 | 61 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Other real estate owned | 140 | 67 | 61 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Premises and equipment, net | |||||||||||||||||||
8,513 | 9,040 | 8,454 | 4,556 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Premises and equipment, net | 8,513 | 9,040 | 8,454 | 4,556 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Bank owned life insurance | |||||||||||||||||||
7,462 | 7,195 | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Bank owned life insurance | 7,462 | 7,195 | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Accrued interest receivable and other assets | |||||||||||||||||||
3,010 | 3,461 | 4,486 | 4,829 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Accrued interest receivable and other assets | 3,010 | 3,461 | 4,486 | 4,829 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total assets | |||||||||||||||||||
319,294 | 305,984 | 277,815 | 232,832 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total assets | 319,294 | 305,984 | 277,815 | 232,832 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Liabilities and Stockholders' Equity | |||||||||||||||||||
Liabilities: | |||||||||||||||||||
Savings accounts | |||||||||||||||||||
22,691 | 24,508 | 22,655 | 21,180 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Savings accounts | 22,691 | 24,508 | 22,655 | 21,180 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Interest-bearing checking | |||||||||||||||||||
47,324 | 53,244 | 38,981 | 30,662 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Interest-bearing checking | 47,324 | 53,244 | 38,981 | 30,662 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Market rate checking | |||||||||||||||||||
33,380 | 23,140 | 22,556 | 22,607 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Market rate checking | 33,380 | 23,140 | 22,556 | 22,607 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Non-interest-bearing checking | |||||||||||||||||||
29,549 | 29,797 | 25,050 | 21,727 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Non-interest-bearing checking | 29,549 | 29,797 | 25,050 | 21,727 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Certificate of deposits | |||||||||||||||||||
105,237 | 85,698 | 85,371 | 85,523 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Certificate of deposits | 105,237 | 85,698 | 85,371 | 85,523 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total deposits | |||||||||||||||||||
238,181 | 216,387 | 194,613 | 181,699 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total deposits | 238,181 | 216,387 | 194,613 | 181,699 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Federal Home Loan Bank advances | |||||||||||||||||||
- | 7,570 | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Federal Home Loan Bank advances | - | 7,570 | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Accrued interest payable and other liabilities | |||||||||||||||||||
3,946 | 5,644 | 6,406 | 6,052 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Accrued interest payable and other liabilities | 3,946 | 5,644 | 6,406 | 6,052 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total liabilities | |||||||||||||||||||
242,127 | 229,601 | 201,019 | 187,751 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total liabilities | 242,127 | 229,601 | 201,019 | 187,751 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Commitments | |||||||||||||||||||
- | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Commitments | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Stockholders' equity: | |||||||||||||||||||
Common stock (par value $0.01 per share, 19,000,000 shares authorized, 7,684,173 issued and 7,570,797 outstanding at September 30, 2020 and 7,671,224 issued and 7,557,848 outstanding at December 31, 2019) | |||||||||||||||||||
77 | 75 | 75 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Common stock (par value $0.01 per share, 19,000,000 shares authorized, 7,684,173 issued and 7,570,797 outstanding at September 30, 2020 and 7,671,224 issued and 7,557,848 outstanding at December 31, 2019) | 77 | 75 | 75 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Preferred stock (1,000,000 shares authorized, no shares outstanding) | |||||||||||||||||||
- | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Preferred stock (1,000,000 shares authorized, no shares outstanding) | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Additional paid in capital | |||||||||||||||||||
33,358 | 33,075 | 33,055 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Additional paid in capital | 33,358 | 33,075 | 33,055 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Treasury stock, 113,376 shares at September 30, 2020, and December 31, 2019, at cost | |||||||||||||||||||
1,268 | 248 | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Treasury stock, 113,376 shares at September 30, 2020, and December 31, 2019, at cost | 1,268 | 248 | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Unearned ESOP shares | |||||||||||||||||||
2,571 | 2,719 | 2,837 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Unearned ESOP shares | 2,571 | 2,719 | 2,837 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Retained earnings | |||||||||||||||||||
47,562 | 46,895 | 46,446 | 45,081 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Retained earnings | 47,562 | 46,895 | 46,446 | 45,081 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Accumulated other comprehensive income | |||||||||||||||||||
9 | -695 | 57 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Accumulated other comprehensive income | 9 | -695 | 57 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total stockholders' equity | |||||||||||||||||||
77,167 | 76,383 | 76,796 | 45,081 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total stockholders' equity | 77,167 | 76,383 | 76,796 | 45,081 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total liabilities and stockholders' equity | |||||||||||||||||||
319,294 | 305,984 | 277,815 | 232,832 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total liabilities and stockholders' equity | 319,294 | 305,984 | 277,815 | 232,832 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||