Call reports 2004
COMMUNITY FINANCIAL BANK — 2004
What COMMUNITY FINANCIAL 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 | 24,269,000 | 24,744,000 | 24,289,000 | 23,779,000 |
| Total loans | 20,496,000 | 20,112,000 | 19,029,000 | 18,551,000 |
| Allowance for loan losses | 321,000 | 327,000 | 336,000 | 327,000 |
| Securities available for sale | 2,525,000 | 3,279,000 | 3,867,000 | 3,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,199,000 | 20,694,000 | 18,778,000 | 19,571,000 |
| Interest-bearing deposits | 18,022,000 | 18,636,000 | 16,396,000 | 16,707,000 |
| Noninterest-bearing deposits | 2,177,000 | 2,058,000 | 2,382,000 | 2,864,000 |
| Equity capital | 3,651,000 | 3,700,000 | 3,863,000 | 3,943,000 |
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 | 379,000 | 747,000 | 1,173,000 | 1,538,000 |
| Interest expense | 75,000 | 150,000 | 226,000 | 304,000 |
| Net interest income | 304,000 | 597,000 | 947,000 | 1,234,000 |
| Noninterest income | 25,000 | 56,000 | 74,000 | 93,000 |
| Noninterest expense | 154,000 | 313,000 | 503,000 | 662,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 166,000 | 322,000 | 491,000 | 629,000 |
| Income tax | 55,000 | 105,000 | 159,000 | 199,000 |
| Net income | 111,000 | 217,000 | 332,000 | 430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,619,000 | 3,725,000 | 3,863,000 | 3,939,000 |
| Total capital | 3,845,000 | 3,964,000 | 4,103,000 | 4,170,000 |
| Risk-weighted assets | 18,002,000 | 19,040,000 | 19,098,000 | 18,373,000 |