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 | 238,543,000 | 261,222,000 | 257,221,000 | 256,475,000 |
| Total loans | 145,343,000 | 151,299,000 | 152,740,000 | 154,387,000 |
| Allowance for loan losses | 2,089,000 | 2,268,000 | 2,285,000 | 2,314,000 |
| Securities available for sale | 69,303,000 | 87,116,000 | 83,409,000 | 80,079,000 |
| Securities held to maturity | 8,907,000 | 8,850,000 | 8,405,000 | 8,360,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,632,000 | 172,589,000 | 179,658,000 | 177,695,000 |
| Interest-bearing deposits | 151,829,000 | 154,348,000 | 163,168,000 | 161,938,000 |
| Noninterest-bearing deposits | 16,803,000 | 18,241,000 | 16,490,000 | 15,757,000 |
| Equity capital | 17,603,000 | 17,688,000 | 17,969,000 | 18,176,000 |
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 | 3,031,000 | 6,196,000 | 9,516,000 | 12,870,000 |
| Interest expense | 1,183,000 | 2,392,000 | 3,730,000 | 5,012,000 |
| Net interest income | 1,848,000 | 3,804,000 | 5,786,000 | 7,858,000 |
| Noninterest income | 251,000 | 501,000 | 772,000 | 1,041,000 |
| Noninterest expense | 1,467,000 | 2,931,000 | 4,421,000 | 5,955,000 |
| Provision for loan losses | 55,000 | 203,000 | 388,000 | 520,000 |
| Pretax income | 631,000 | 1,225,000 | 1,794,000 | 2,707,000 |
| Income tax | 232,000 | 452,000 | 663,000 | 992,000 |
| Net income | 399,000 | 773,000 | 1,131,000 | 1,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,358,000 | 17,583,000 | 17,797,000 | 18,254,000 |
| Total capital | 19,214,000 | 19,535,000 | 19,739,000 | 20,227,000 |
| Risk-weighted assets | 148,296,000 | 155,821,000 | 154,980,000 | 157,504,000 |