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 | 152,071,000 | 150,588,000 | 147,615,000 | 150,392,000 |
| Total loans | 101,884,000 | 98,596,000 | 99,210,000 | 94,410,000 |
| Allowance for loan losses | 1,509,000 | 1,512,000 | 1,514,000 | 1,545,000 |
| Securities available for sale | 37,115,000 | 40,724,000 | 38,397,000 | 44,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,915,000 | 130,436,000 | 127,337,000 | 129,474,000 |
| Interest-bearing deposits | 117,854,000 | 115,957,000 | 113,137,000 | 111,981,000 |
| Noninterest-bearing deposits | 15,061,000 | 14,479,000 | 14,200,000 | 17,493,000 |
| Equity capital | 12,408,000 | 12,644,000 | 12,396,000 | 12,161,000 |
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 | 2,117,000 | 4,144,000 | 6,089,000 | 8,133,000 |
| Interest expense | 704,000 | 1,339,000 | 1,934,000 | 2,498,000 |
| Net interest income | 1,413,000 | 2,805,000 | 4,155,000 | 5,635,000 |
| Noninterest income | 473,000 | 1,056,000 | 1,556,000 | 1,919,000 |
| Noninterest expense | 1,204,000 | 2,401,000 | 3,627,000 | 4,850,000 |
| Provision for loan losses | 29,000 | 59,000 | 89,000 | 119,000 |
| Pretax income | 653,000 | 1,401,000 | 1,995,000 | 2,585,000 |
| Income tax | 0 | 1,000 | 4,000 | 6,000 |
| Net income | 653,000 | 1,400,000 | 1,991,000 | 2,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,844,000 | 11,790,000 | 11,982,000 | 11,669,000 |
| Total capital | 13,172,000 | 13,063,000 | 13,260,000 | 12,939,000 |
| Risk-weighted assets | 106,057,000 | 101,584,000 | 102,000,000 | 101,341,000 |