Call reports 2004
COMMUNITY FIRST BANK — 2004
What COMMUNITY FIRST 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 | 286,773,000 | 298,957,000 | 321,557,000 | 333,595,000 |
| Total loans | 228,190,000 | 245,292,000 | 264,342,000 | 270,092,000 |
| Allowance for loan losses | 2,716,000 | 2,956,000 | 3,090,000 | 3,149,000 |
| Securities available for sale | 40,052,000 | 37,199,000 | 37,399,000 | 35,980,000 |
| Securities held to maturity | 214,000 | 189,000 | 189,000 | 189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,606,000 | 255,870,000 | 263,178,000 | 274,294,000 |
| Interest-bearing deposits | 209,751,000 | 236,214,000 | 242,266,000 | 241,873,000 |
| Noninterest-bearing deposits | 16,855,000 | 19,656,000 | 20,911,000 | 32,421,000 |
| Equity capital | 21,858,000 | 21,696,000 | 22,965,000 | 23,204,000 |
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 | 4,313,000 | 8,880,000 | 13,628,000 | 18,684,000 |
| Interest expense | 1,275,000 | 2,630,000 | 4,160,000 | 5,785,000 |
| Net interest income | 3,038,000 | 6,250,000 | 9,468,000 | 12,899,000 |
| Noninterest income | 527,000 | 1,003,000 | 1,742,000 | 2,522,000 |
| Noninterest expense | 2,046,000 | 4,349,000 | 7,012,000 | 9,867,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 1,269,000 | 2,354,000 | 3,354,000 | 4,417,000 |
| Income tax | 486,000 | 901,000 | 1,284,000 | 1,713,000 |
| Net income | 783,000 | 1,453,000 | 2,070,000 | 2,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,291,000 | 21,961,000 | 22,578,000 | 22,945,000 |
| Total capital | 23,984,000 | 24,774,000 | 25,576,000 | 26,008,000 |
| Risk-weighted assets | 214,644,000 | 224,885,000 | 239,712,000 | 244,222,000 |
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