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 | 149,568,000 | 155,787,000 | 161,063,000 | 165,511,000 |
| Total loans | 97,993,000 | 105,750,000 | 107,830,000 | 109,214,000 |
| Allowance for loan losses | 1,268,000 | 1,293,000 | 1,321,000 | 1,350,000 |
| Securities available for sale | 38,815,000 | 35,094,000 | 37,599,000 | 40,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,033,000 | 135,978,000 | 134,609,000 | 142,079,000 |
| Interest-bearing deposits | 112,855,000 | 118,489,000 | 119,963,000 | 126,632,000 |
| Noninterest-bearing deposits | 16,178,000 | 17,489,000 | 14,646,000 | 15,447,000 |
| Equity capital | 13,159,000 | 12,361,000 | 12,978,000 | 13,353,000 |
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 | 1,953,000 | 3,896,000 | 5,897,000 | 7,969,000 |
| Interest expense | 549,000 | 1,106,000 | 1,726,000 | 2,403,000 |
| Net interest income | 1,404,000 | 2,790,000 | 4,171,000 | 5,566,000 |
| Noninterest income | 352,000 | 726,000 | 1,043,000 | 1,398,000 |
| Noninterest expense | 1,275,000 | 2,549,000 | 3,932,000 | 5,112,000 |
| Provision for loan losses | -270,000 | -241,000 | -211,000 | -181,000 |
| Pretax income | 772,000 | 1,240,000 | 1,525,000 | 2,066,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 771,000 | 1,237,000 | 1,521,000 | 2,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,441,000 | 12,367,000 | 12,551,000 | 13,091,000 |
| Total capital | 13,709,000 | 13,660,000 | 13,872,000 | 14,441,000 |
| Risk-weighted assets | 102,353,000 | 109,279,000 | 109,294,000 | 113,197,000 |