Call reports 2004
COMMUNITY FIRST BANK — 2004
What COMMUNITY FIRST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 82,634,000 | 80,628,000 | 81,398,000 | 84,409,000 |
| Total loans | 53,705,000 | 54,694,000 | 58,170,000 | 59,552,000 |
| Allowance for loan losses | 876,000 | 912,000 | 952,000 | 974,000 |
| Securities available for sale | 13,241,000 | 15,883,000 | 15,285,000 | 14,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,227,000 | 71,220,000 | 69,600,000 | 73,487,000 |
| Interest-bearing deposits | 62,975,000 | 59,532,000 | 56,459,000 | 61,552,000 |
| Noninterest-bearing deposits | 12,252,000 | 11,688,000 | 13,141,000 | 11,934,000 |
| Equity capital | 7,201,000 | 7,110,000 | 7,544,000 | 7,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,080,000 | 2,171,000 | 3,282,000 | 4,430,000 |
| Interest expense | 217,000 | 426,000 | 636,000 | 882,000 |
| Net interest income | 863,000 | 1,745,000 | 2,646,000 | 3,548,000 |
| Noninterest income | 180,000 | 351,000 | 570,000 | 785,000 |
| Noninterest expense | 698,000 | 1,385,000 | 2,094,000 | 2,990,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 165,000 |
| Pretax income | 300,000 | 621,000 | 987,000 | 1,178,000 |
| Income tax | 73,000 | 200,000 | 304,000 | 365,000 |
| Net income | 227,000 | 421,000 | 683,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,143,000 | 7,337,000 | 7,598,000 | 7,728,000 |
| Total capital | 7,812,000 | 8,019,000 | 8,301,000 | 8,461,000 |
| Risk-weighted assets | 53,290,000 | 54,314,000 | 55,965,000 | 58,391,000 |
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