Call reports 2003
COMMUNITY FIRST BANKING COMPANY — 2003
What COMMUNITY FIRST BANKING COMPANY 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 | 78,119,000 | 80,405,000 | 83,526,000 | 90,166,000 |
| Total loans | 53,870,000 | 56,210,000 | 60,234,000 | 62,686,000 |
| Allowance for loan losses | 848,000 | 872,000 | 892,000 | 907,000 |
| Securities available for sale | 14,915,000 | 15,061,000 | 17,601,000 | 18,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,804,000 | 53,195,000 | 52,449,000 | 61,173,000 |
| Interest-bearing deposits | 43,121,000 | 43,015,000 | 42,057,000 | 50,897,000 |
| Noninterest-bearing deposits | 8,683,000 | 10,180,000 | 10,392,000 | 10,276,000 |
| Equity capital | 6,207,000 | 6,875,000 | 6,980,000 | 7,024,000 |
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 | 1,021,000 | 2,035,000 | 3,085,000 | 4,195,000 |
| Interest expense | 305,000 | 594,000 | 882,000 | 1,174,000 |
| Net interest income | 716,000 | 1,441,000 | 2,203,000 | 3,021,000 |
| Noninterest income | 213,000 | 439,000 | 656,000 | 856,000 |
| Noninterest expense | 551,000 | 1,142,000 | 1,781,000 | 2,449,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 113,000 |
| Pretax income | 356,000 | 693,000 | 1,012,000 | 1,317,000 |
| Income tax | 131,000 | 257,000 | 361,000 | 473,000 |
| Net income | 225,000 | 436,000 | 651,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,066,000 | 6,679,000 | 6,894,000 | 6,964,000 |
| Total capital | 6,818,000 | 7,451,000 | 7,701,000 | 7,827,000 |
| Risk-weighted assets | 60,513,000 | 62,187,000 | 65,077,000 | 69,449,000 |