Call reports 2003
COMMUNITY FINANCIAL BANK — 2003
What COMMUNITY FINANCIAL 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 | 22,797,000 | 22,753,000 | 23,261,000 | 23,691,000 |
| Total loans | 19,761,000 | 19,891,000 | 20,221,000 | 20,466,000 |
| Allowance for loan losses | 300,000 | 306,000 | 313,000 | 312,000 |
| Securities available for sale | 1,743,000 | 1,582,000 | 1,894,000 | 1,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,650,000 | 16,076,000 | 17,584,000 | 18,376,000 |
| Interest-bearing deposits | 14,909,000 | 14,176,000 | 15,665,000 | 16,415,000 |
| Noninterest-bearing deposits | 1,741,000 | 1,900,000 | 1,919,000 | 1,961,000 |
| Equity capital | 3,189,000 | 3,318,000 | 3,437,000 | 3,535,000 |
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 | 396,000 | 794,000 | 1,174,000 | 1,574,000 |
| Interest expense | 84,000 | 168,000 | 242,000 | 317,000 |
| Net interest income | 312,000 | 626,000 | 932,000 | 1,257,000 |
| Noninterest income | 26,000 | 51,000 | 79,000 | 100,000 |
| Noninterest expense | 146,000 | 289,000 | 443,000 | 594,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 46,000 |
| Pretax income | 183,000 | 370,000 | 541,000 | 717,000 |
| Income tax | 67,000 | 133,000 | 173,000 | 252,000 |
| Net income | 116,000 | 237,000 | 368,000 | 465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,158,000 | 3,280,000 | 3,411,000 | 3,508,000 |
| Total capital | 3,383,000 | 3,509,000 | 3,649,000 | 3,728,000 |
| Risk-weighted assets | 17,934,000 | 18,264,000 | 18,959,000 | 17,486,000 |