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 | 72,008,000 | 71,666,000 | 72,511,000 | 71,840,000 |
| Total loans | 33,608,000 | 33,574,000 | 32,606,000 | 32,633,000 |
| Allowance for loan losses | 421,000 | 471,000 | 480,000 | 481,000 |
| Securities available for sale | 31,466,000 | 30,211,000 | 31,553,000 | 32,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,007,000 | 39,825,000 | 40,205,000 | 39,827,000 |
| Interest-bearing deposits | 33,254,000 | 33,944,000 | 34,146,000 | 34,211,000 |
| Noninterest-bearing deposits | 5,753,000 | 5,881,000 | 6,059,000 | 5,616,000 |
| Equity capital | 7,308,000 | 6,662,000 | 7,166,000 | 6,934,000 |
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 | 865,000 | 1,717,000 | 2,610,000 | 3,473,000 |
| Interest expense | 540,000 | 1,077,000 | 1,619,000 | 2,181,000 |
| Net interest income | 325,000 | 640,000 | 991,000 | 1,292,000 |
| Noninterest income | 135,000 | 252,000 | 364,000 | 466,000 |
| Noninterest expense | 470,000 | 925,000 | 1,374,000 | 1,862,000 |
| Provision for loan losses | 0 | 61,000 | 61,000 | 61,000 |
| Pretax income | 364,000 | 280,000 | 522,000 | 440,000 |
| Income tax | 41,000 | 32,000 | 24,000 | 69,000 |
| Net income | 323,000 | 248,000 | 498,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,065,000 | 6,961,000 | 7,216,000 | 7,051,000 |
| Total capital | 7,503,000 | 7,449,000 | 7,713,000 | 7,549,000 |
| Risk-weighted assets | 40,598,000 | 41,789,000 | 42,213,000 | 41,358,000 |