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 | 214,174,000 | 229,243,000 | 239,810,000 | 239,030,000 |
| Total loans | 125,405,000 | 132,452,000 | 140,771,000 | 142,068,000 |
| Allowance for loan losses | 1,743,000 | 1,749,000 | 1,785,000 | 2,107,000 |
| Securities available for sale | 67,511,000 | 75,864,000 | 79,590,000 | 75,019,000 |
| Securities held to maturity | 6,254,000 | 6,560,000 | 6,384,000 | 9,137,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,748,000 | 157,697,000 | 163,055,000 | 176,449,000 |
| Interest-bearing deposits | 144,209,000 | 143,668,000 | 148,263,000 | 161,661,000 |
| Noninterest-bearing deposits | 14,539,000 | 14,029,000 | 14,792,000 | 14,788,000 |
| Equity capital | 16,472,000 | 16,902,000 | 17,094,000 | 17,160,000 |
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 | 3,243,000 | 6,399,000 | 9,501,000 | 12,589,000 |
| Interest expense | 1,439,000 | 2,781,000 | 4,088,000 | 5,369,000 |
| Net interest income | 1,804,000 | 3,618,000 | 5,413,000 | 7,220,000 |
| Noninterest income | 395,000 | 670,000 | 944,000 | 1,086,000 |
| Noninterest expense | 2,297,000 | 3,693,000 | 5,110,000 | 6,994,000 |
| Provision for loan losses | 90,000 | 147,000 | 210,000 | 555,000 |
| Pretax income | 913,000 | 1,549,000 | 2,416,000 | 2,664,000 |
| Income tax | 335,000 | 569,000 | 887,000 | 980,000 |
| Net income | 578,000 | 980,000 | 1,529,000 | 1,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,450,000 | 16,702,000 | 17,102,000 | 17,108,000 |
| Total capital | 17,995,000 | 18,338,000 | 18,887,000 | 18,919,000 |
| Risk-weighted assets | 123,364,000 | 130,780,000 | 144,382,000 | 144,556,000 |