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 | 101,948,000 | 107,229,000 | 117,026,000 | 116,849,000 |
| Total loans | 90,099,000 | 94,333,000 | 96,792,000 | 98,313,000 |
| Allowance for loan losses | 1,537,000 | 1,624,000 | 1,694,000 | 1,784,000 |
| Securities available for sale | 5,910,000 | 6,146,000 | 8,167,000 | 9,143,000 |
| Securities held to maturity | 175,000 | 174,000 | 175,000 | 117,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,248,000 | 91,726,000 | 101,121,000 | 100,586,000 |
| Interest-bearing deposits | 79,926,000 | 83,725,000 | 93,020,000 | 92,407,000 |
| Noninterest-bearing deposits | 7,322,000 | 8,001,000 | 8,100,000 | 8,179,000 |
| Equity capital | 9,008,000 | 9,210,000 | 9,527,000 | 9,814,000 |
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 | 1,354,000 | 2,823,000 | 4,356,000 | 5,949,000 |
| Interest expense | 503,000 | 1,031,000 | 1,593,000 | 2,168,000 |
| Net interest income | 851,000 | 1,792,000 | 2,763,000 | 3,781,000 |
| Noninterest income | 69,000 | 131,000 | 191,000 | 249,000 |
| Noninterest expense | 437,000 | 907,000 | 1,354,000 | 1,810,000 |
| Provision for loan losses | 46,000 | 132,000 | 202,000 | 292,000 |
| Pretax income | 437,000 | 884,000 | 1,398,000 | 1,928,000 |
| Income tax | 167,000 | 338,000 | 533,000 | 735,000 |
| Net income | 270,000 | 546,000 | 865,000 | 1,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,987,000 | 9,236,000 | 9,530,000 | 9,835,000 |
| Total capital | 10,055,000 | 10,348,000 | 10,698,000 | 11,020,000 |
| Risk-weighted assets | 84,949,000 | 88,890,000 | 93,659,000 | 94,179,000 |
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