Call reports 2003
COMMUNITY FIRST BANK INC. — 2003
What COMMUNITY FIRST BANK INC. 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 | 257,201,000 | 270,853,000 | 273,566,000 | 280,526,000 |
| Total loans | 140,564,000 | 142,245,000 | 144,520,000 | 147,650,000 |
| Allowance for loan losses | 2,164,000 | 2,260,000 | 2,244,000 | 2,197,000 |
| Securities available for sale | 69,052,000 | 68,382,000 | 88,523,000 | 86,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,693,000 | 248,172,000 | 251,212,000 | 257,373,000 |
| Interest-bearing deposits | 210,750,000 | 219,519,000 | 223,387,000 | 225,056,000 |
| Noninterest-bearing deposits | 24,943,000 | 28,653,000 | 27,825,000 | 32,317,000 |
| Equity capital | 20,026,000 | 20,837,000 | 20,964,000 | 21,707,000 |
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 | 3,139,000 | 6,239,000 | 9,370,000 | 12,637,000 |
| Interest expense | 1,225,000 | 2,510,000 | 3,826,000 | 5,103,000 |
| Net interest income | 1,914,000 | 3,729,000 | 5,544,000 | 7,534,000 |
| Noninterest income | 472,000 | 984,000 | 1,480,000 | 1,981,000 |
| Noninterest expense | 1,002,000 | 2,012,000 | 3,144,000 | 4,375,000 |
| Provision for loan losses | 250,000 | 400,000 | 475,000 | 522,000 |
| Pretax income | 1,134,000 | 2,301,000 | 3,405,000 | 4,698,000 |
| Income tax | 401,000 | 811,000 | 1,185,000 | 1,676,000 |
| Net income | 733,000 | 1,490,000 | 2,220,000 | 3,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,618,000 | 20,375,000 | 21,104,000 | 21,907,000 |
| Total capital | 21,494,000 | 22,309,000 | 23,105,000 | 23,940,000 |
| Risk-weighted assets | 149,767,000 | 154,433,000 | 159,851,000 | 162,512,000 |