Call reports 2004
COMMUNITY FIRST BANK INC. — 2004
What COMMUNITY FIRST BANK INC. 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 | 291,630,000 | 295,140,000 | 290,124,000 | 305,413,000 |
| Total loans | 151,325,000 | 149,601,000 | 155,483,000 | 157,841,000 |
| Allowance for loan losses | 2,257,000 | 2,240,000 | 2,318,000 | 2,240,000 |
| Securities available for sale | 107,035,000 | 105,787,000 | 97,600,000 | 92,084,000 |
| Securities held to maturity | 0 | 9,950,000 | 9,691,000 | 9,369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,827,000 | 261,317,000 | 254,428,000 | 269,268,000 |
| Interest-bearing deposits | 236,776,000 | 229,695,000 | 220,220,000 | 234,032,000 |
| Noninterest-bearing deposits | 30,051,000 | 31,622,000 | 34,208,000 | 35,236,000 |
| Equity capital | 22,983,000 | 22,059,000 | 24,216,000 | 24,871,000 |
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 | 3,310,000 | 6,715,000 | 10,327,000 | 13,920,000 |
| Interest expense | 1,252,000 | 2,484,000 | 3,734,000 | 5,086,000 |
| Net interest income | 2,058,000 | 4,231,000 | 6,593,000 | 8,834,000 |
| Noninterest income | 472,000 | 1,021,000 | 1,568,000 | 2,089,000 |
| Noninterest expense | 1,177,000 | 2,497,000 | 3,796,000 | 5,099,000 |
| Provision for loan losses | 80,000 | 135,000 | 315,000 | 380,000 |
| Pretax income | 1,278,000 | 2,625,000 | 4,040,000 | 5,434,000 |
| Income tax | 450,000 | 931,000 | 1,439,000 | 1,971,000 |
| Net income | 828,000 | 1,694,000 | 2,601,000 | 3,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,735,000 | 23,601,000 | 24,508,000 | 25,370,000 |
| Total capital | 24,825,000 | 25,696,000 | 26,647,000 | 27,610,000 |
| Risk-weighted assets | 167,005,000 | 167,446,000 | 170,923,000 | 202,271,000 |