Call reports 2003
COMMUNITY FIRST BANK — 2003
What COMMUNITY FIRST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 46,358,000 | 46,521,000 | 48,606,000 | 49,130,000 |
| Total loans | 23,931,000 | 25,293,000 | 26,549,000 | 25,817,000 |
| Allowance for loan losses | 423,000 | 430,000 | 433,000 | 379,000 |
| Securities available for sale | 18,066,000 | 16,623,000 | 17,547,000 | 20,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,216,000 | 40,324,000 | 41,503,000 | 42,419,000 |
| Interest-bearing deposits | 36,704,000 | 36,981,000 | 37,336,000 | 38,344,000 |
| Noninterest-bearing deposits | 3,512,000 | 3,343,000 | 4,167,000 | 4,075,000 |
| Equity capital | 5,816,000 | 5,883,000 | 5,841,000 | 5,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 706,000 | 1,396,000 | 2,138,000 | 2,868,000 |
| Interest expense | 247,000 | 495,000 | 734,000 | 972,000 |
| Net interest income | 459,000 | 901,000 | 1,404,000 | 1,896,000 |
| Noninterest income | 93,000 | 202,000 | 263,000 | 347,000 |
| Noninterest expense | 307,000 | 627,000 | 938,000 | 1,284,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 270,000 | 493,000 | 748,000 | 1,007,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 270,000 | 492,000 | 747,000 | 1,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,279,000 | 5,288,000 | 5,426,000 | 5,235,000 |
| Total capital | 5,591,000 | 5,615,000 | 5,762,000 | 5,567,000 |
| Risk-weighted assets | 24,285,000 | 26,045,000 | 26,805,000 | 26,518,000 |