Call reports 2002
COMMUNITY FIRST BANKING COMPANY — 2002
What COMMUNITY FIRST BANKING COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 65,484,000 | 70,430,000 | 73,910,000 | 76,747,000 |
| Total loans | 46,314,000 | 50,932,000 | 51,499,000 | 51,977,000 |
| Allowance for loan losses | 781,000 | 779,000 | 802,000 | 825,000 |
| Securities available for sale | 11,283,000 | 11,839,000 | 12,999,000 | 14,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,346,000 | 48,667,000 | 50,398,000 | 50,933,000 |
| Interest-bearing deposits | 39,113,000 | 41,140,000 | 42,297,000 | 42,347,000 |
| Noninterest-bearing deposits | 7,233,000 | 7,527,000 | 8,101,000 | 8,586,000 |
| Equity capital | 5,228,000 | 5,617,000 | 5,895,000 | 6,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 973,000 | 1,999,000 | 3,058,000 | 4,113,000 |
| Interest expense | 365,000 | 720,000 | 1,089,000 | 1,433,000 |
| Net interest income | 608,000 | 1,279,000 | 1,969,000 | 2,680,000 |
| Noninterest income | 122,000 | 247,000 | 410,000 | 604,000 |
| Noninterest expense | 451,000 | 914,000 | 1,404,000 | 1,914,000 |
| Provision for loan losses | 30,000 | 30,000 | 60,000 | 90,000 |
| Pretax income | 249,000 | 582,000 | 915,000 | 1,280,000 |
| Income tax | 92,000 | 218,000 | 339,000 | 473,000 |
| Net income | 157,000 | 364,000 | 576,000 | 807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,264,000 | 5,471,000 | 5,683,000 | 5,841,000 |
| Total capital | 5,869,000 | 6,133,000 | 6,355,000 | 6,553,000 |
| Risk-weighted assets | 48,189,000 | 52,869,000 | 53,631,000 | 57,338,000 |