Call reports 2003
COMMUNITY FIRST BANK & TRUST — 2003
What COMMUNITY FIRST BANK & TRUST 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 | 186,414,000 | 179,534,000 | 197,418,000 | 217,139,000 |
| Total loans | 141,339,000 | 141,913,000 | 161,121,000 | 173,129,000 |
| Allowance for loan losses | 1,852,000 | 1,906,000 | 2,041,000 | 2,249,000 |
| Securities available for sale | 25,530,000 | 25,281,000 | 24,190,000 | 28,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,304,000 | 157,234,000 | 174,903,000 | 195,249,000 |
| Interest-bearing deposits | 149,756,000 | 142,154,000 | 157,644,000 | 174,953,000 |
| Noninterest-bearing deposits | 14,548,000 | 15,080,000 | 17,259,000 | 20,296,000 |
| Equity capital | 15,214,000 | 15,517,000 | 15,777,000 | 16,258,000 |
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 | 2,407,000 | 4,823,000 | 7,278,000 | 9,995,000 |
| Interest expense | 945,000 | 1,870,000 | 2,740,000 | 3,676,000 |
| Net interest income | 1,462,000 | 2,953,000 | 4,538,000 | 6,319,000 |
| Noninterest income | 314,000 | 798,000 | 1,381,000 | 1,907,000 |
| Noninterest expense | 1,312,000 | 2,635,000 | 3,978,000 | 5,320,000 |
| Provision for loan losses | 116,000 | 172,000 | 344,000 | 614,000 |
| Pretax income | 348,000 | 944,000 | 1,597,000 | 2,321,000 |
| Income tax | 136,000 | 371,000 | 623,000 | 891,000 |
| Net income | 212,000 | 573,000 | 974,000 | 1,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,085,000 | 15,410,000 | 15,776,000 | 16,197,000 |
| Total capital | 16,841,000 | 17,187,000 | 17,781,000 | 18,310,000 |
| Risk-weighted assets | 140,355,000 | 142,017,000 | 160,330,000 | 168,904,000 |