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 | 57,835,000 | 59,082,000 | 57,695,000 | 57,289,000 |
| Total loans | 40,726,000 | 39,353,000 | 37,912,000 | 36,963,000 |
| Allowance for loan losses | 459,000 | 473,000 | 487,000 | 376,000 |
| Securities available for sale | 9,148,000 | 11,046,000 | 11,071,000 | 12,189,000 |
| Securities held to maturity | 326,000 | 275,000 | 274,000 | 273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,102,000 | 50,406,000 | 49,361,000 | 48,977,000 |
| Interest-bearing deposits | 45,397,000 | 46,219,000 | 45,810,000 | 44,937,000 |
| Noninterest-bearing deposits | 3,705,000 | 4,187,000 | 3,551,000 | 4,040,000 |
| Equity capital | 5,831,000 | 5,873,000 | 6,232,000 | 6,035,000 |
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 | 890,000 | 1,797,000 | 2,698,000 | 3,586,000 |
| Interest expense | 313,000 | 631,000 | 945,000 | 1,268,000 |
| Net interest income | 577,000 | 1,166,000 | 1,753,000 | 2,318,000 |
| Noninterest income | 54,000 | 67,000 | 150,000 | 230,000 |
| Noninterest expense | 414,000 | 814,000 | 1,223,000 | 1,763,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 117,000 | 322,000 | 579,000 | 684,000 |
| Income tax | 18,000 | 11,000 | 17,000 | 23,000 |
| Net income | 99,000 | 311,000 | 562,000 | 661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,732,000 | 5,942,000 | 6,173,000 | 6,012,000 |
| Total capital | 6,191,000 | 6,415,000 | 6,660,000 | 6,388,000 |
| Risk-weighted assets | 47,446,000 | 44,792,000 | 43,360,000 | 42,462,000 |
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