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 | 72,387,000 | 71,923,000 | 72,139,000 | 71,441,000 |
| Total loans | 35,126,000 | 33,783,000 | 34,578,000 | 33,246,000 |
| Allowance for loan losses | 512,000 | 502,000 | 463,000 | 431,000 |
| Securities available for sale | 29,357,000 | 31,640,000 | 31,464,000 | 32,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,499,000 | 38,873,000 | 38,063,000 | 38,546,000 |
| Interest-bearing deposits | 34,763,000 | 33,710,000 | 32,727,000 | 33,125,000 |
| Noninterest-bearing deposits | 4,736,000 | 5,163,000 | 5,336,000 | 5,421,000 |
| Equity capital | 7,350,000 | 7,448,000 | 6,961,000 | 6,850,000 |
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 | 1,027,000 | 1,960,000 | 2,830,000 | 3,670,000 |
| Interest expense | 575,000 | 1,138,000 | 1,697,000 | 2,249,000 |
| Net interest income | 452,000 | 822,000 | 1,133,000 | 1,421,000 |
| Noninterest income | 85,000 | 171,000 | 275,000 | 355,000 |
| Noninterest expense | 484,000 | 957,000 | 1,437,000 | 1,982,000 |
| Provision for loan losses | 40,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 239,000 | 431,000 | 366,000 | 189,000 |
| Income tax | -1,000 | 15,000 | -14,000 | -41,000 |
| Net income | 240,000 | 416,000 | 380,000 | 230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,873,000 | 6,899,000 | 6,857,000 | 6,677,000 |
| Total capital | 7,385,000 | 7,401,000 | 7,320,000 | 7,108,000 |
| Risk-weighted assets | 40,931,000 | 40,213,000 | 41,133,000 | 40,200,000 |