Call reports 2004
CF BANCORP — 2004
What CF BANCORP 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 | 1,094,703,000 | 1,103,184,000 | 1,157,259,000 | 1,207,451,000 |
| Total loans | 966,167,000 | 989,183,000 | 1,030,089,000 | 1,084,514,000 |
| Allowance for loan losses | 11,482,000 | 11,437,000 | 11,690,000 | 11,936,000 |
| Securities available for sale | 57,177,000 | 54,326,000 | 54,803,000 | 54,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 779,418,000 | 764,800,000 | 811,136,000 | 807,854,000 |
| Interest-bearing deposits | 726,205,000 | 695,850,000 | 742,530,000 | 743,099,000 |
| Noninterest-bearing deposits | 53,213,000 | 68,950,000 | 68,606,000 | 64,755,000 |
| Equity capital | 107,430,000 | 108,852,000 | 112,119,000 | 114,140,000 |
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 | 14,498,000 | 29,049,000 | 44,303,000 | 60,162,000 |
| Interest expense | 5,721,000 | 11,505,000 | 17,345,000 | 23,774,000 |
| Net interest income | 8,777,000 | 17,544,000 | 26,958,000 | 36,388,000 |
| Noninterest income | 862,000 | 3,684,000 | 5,849,000 | 8,250,000 |
| Noninterest expense | 6,992,000 | 15,668,000 | 22,919,000 | 30,845,000 |
| Provision for loan losses | 60,000 | 228,000 | 588,000 | 1,068,000 |
| Pretax income | 3,043,000 | 5,920,000 | 9,888,000 | 13,313,000 |
| Income tax | 1,053,000 | 1,997,000 | 3,341,000 | 4,463,000 |
| Net income | 1,990,000 | 3,923,000 | 6,547,000 | 8,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,653,000 | 108,585,000 | 111,222,000 | 113,539,000 |
| Total capital | 117,590,000 | 119,669,000 | 122,876,000 | 125,475,000 |
| Risk-weighted assets | 874,409,000 | 886,220,000 | 932,312,000 | 983,967,000 |