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 | 91,208,000 | 92,277,000 | 91,847,000 | 92,605,000 |
| Total loans | 65,070,000 | 67,601,000 | 68,555,000 | 66,814,000 |
| Allowance for loan losses | 917,000 | 941,000 | 980,000 | 1,037,000 |
| Securities available for sale | 14,865,000 | 18,809,000 | 16,290,000 | 16,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,074,000 | 80,999,000 | 80,721,000 | 81,344,000 |
| Interest-bearing deposits | 73,994,000 | 75,143,000 | 74,071,000 | 74,856,000 |
| Noninterest-bearing deposits | 6,080,000 | 5,856,000 | 6,650,000 | 6,488,000 |
| Equity capital | 7,542,000 | 7,823,000 | 7,679,000 | 7,878,000 |
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 | 1,338,000 | 2,661,000 | 3,977,000 | 5,265,000 |
| Interest expense | 590,000 | 1,149,000 | 1,667,000 | 2,131,000 |
| Net interest income | 748,000 | 1,512,000 | 2,310,000 | 3,134,000 |
| Noninterest income | 90,000 | 168,000 | 276,000 | 360,000 |
| Noninterest expense | 409,000 | 822,000 | 1,249,000 | 1,719,000 |
| Provision for loan losses | 21,000 | 47,000 | 88,000 | 151,000 |
| Pretax income | 408,000 | 811,000 | 1,249,000 | 1,624,000 |
| Income tax | 146,000 | 288,000 | 443,000 | 574,000 |
| Net income | 262,000 | 523,000 | 806,000 | 1,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,488,000 | 6,765,000 | 6,863,000 | 7,066,000 |
| Total capital | 7,240,000 | 7,552,000 | 7,658,000 | 7,847,000 |
| Risk-weighted assets | 60,052,000 | 62,842,000 | 63,400,000 | 62,197,000 |