Call reports 2003
COMMUNITY FIRST BANK — 2003
What COMMUNITY FIRST 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 | 243,111,000 | 254,100,000 | 270,285,000 | 279,486,000 |
| Total loans | 197,638,000 | 207,161,000 | 218,885,000 | 223,214,000 |
| Allowance for loan losses | 2,167,000 | 2,290,000 | 2,359,000 | 2,566,000 |
| Securities available for sale | 32,455,000 | 32,877,000 | 30,053,000 | 40,366,000 |
| Securities held to maturity | 303,000 | 233,000 | 233,000 | 233,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,670,000 | 223,007,000 | 229,694,000 | 228,728,000 |
| Interest-bearing deposits | 199,541,000 | 206,544,000 | 211,140,000 | 210,621,000 |
| Noninterest-bearing deposits | 14,129,000 | 16,463,000 | 18,554,000 | 18,107,000 |
| Equity capital | 18,907,000 | 20,131,000 | 20,543,000 | 20,842,000 |
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 | 4,008,000 | 8,146,000 | 12,390,000 | 16,675,000 |
| Interest expense | 1,450,000 | 2,877,000 | 4,223,000 | 5,573,000 |
| Net interest income | 2,558,000 | 5,269,000 | 8,167,000 | 11,102,000 |
| Noninterest income | 453,000 | 829,000 | 1,342,000 | 1,840,000 |
| Noninterest expense | 1,775,000 | 3,625,000 | 5,562,000 | 7,628,000 |
| Provision for loan losses | 225,000 | 375,000 | 525,000 | 1,175,000 |
| Pretax income | 1,061,000 | 2,192,000 | 3,516,000 | 4,233,000 |
| Income tax | 406,000 | 839,000 | 1,346,000 | 1,622,000 |
| Net income | 655,000 | 1,353,000 | 2,170,000 | 2,611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,493,000 | 19,492,000 | 20,309,000 | 20,508,000 |
| Total capital | 20,660,000 | 21,782,000 | 22,668,000 | 23,074,000 |
| Risk-weighted assets | 199,174,000 | 207,502,000 | 212,704,000 | 211,513,000 |