Call reports 2004
COMMUNITY FIRST BANKING COMPANY — 2004
What COMMUNITY FIRST BANKING COMPANY 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 | 95,862,000 | 92,604,000 | 91,001,000 | 89,224,000 |
| Total loans | 65,221,000 | 66,703,000 | 67,873,000 | 67,379,000 |
| Allowance for loan losses | 920,000 | 981,000 | 1,019,000 | 967,000 |
| Securities available for sale | 21,251,000 | 16,941,000 | 15,947,000 | 13,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,920,000 | 67,509,000 | 68,325,000 | 63,963,000 |
| Interest-bearing deposits | 56,788,000 | 57,302,000 | 57,855,000 | 50,806,000 |
| Noninterest-bearing deposits | 11,132,000 | 10,207,000 | 10,470,000 | 13,157,000 |
| Equity capital | 7,304,000 | 7,246,000 | 7,732,000 | 7,699,000 |
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 | 1,120,000 | 2,253,000 | 3,407,000 | 4,561,000 |
| Interest expense | 325,000 | 641,000 | 967,000 | 1,283,000 |
| Net interest income | 795,000 | 1,612,000 | 2,440,000 | 3,278,000 |
| Noninterest income | 180,000 | 405,000 | 612,000 | 790,000 |
| Noninterest expense | 675,000 | 1,314,000 | 1,977,000 | 2,658,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 150,000 |
| Pretax income | 399,000 | 754,000 | 1,080,000 | 1,395,000 |
| Income tax | 143,000 | 244,000 | 363,000 | 484,000 |
| Net income | 256,000 | 510,000 | 717,000 | 911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,220,000 | 7,474,000 | 8,014,000 | 7,828,000 |
| Total capital | 8,102,000 | 8,349,000 | 8,884,000 | 8,700,000 |
| Risk-weighted assets | 71,028,000 | 69,858,000 | 69,506,000 | 69,894,000 |