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 | 95,378,000 | 92,386,000 | 94,403,000 | 94,209,000 |
| Total loans | 68,050,000 | 70,742,000 | 73,260,000 | 72,666,000 |
| Allowance for loan losses | 1,052,000 | 1,065,000 | 1,093,000 | 1,119,000 |
| Securities available for sale | 19,301,000 | 17,698,000 | 15,899,000 | 15,507,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,910,000 | 81,107,000 | 80,767,000 | 80,613,000 |
| Interest-bearing deposits | 78,169,000 | 75,506,000 | 74,525,000 | 73,674,000 |
| Noninterest-bearing deposits | 5,741,000 | 5,601,000 | 6,242,000 | 6,939,000 |
| Equity capital | 8,211,000 | 8,119,000 | 8,458,000 | 8,480,000 |
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 | 1,276,000 | 2,545,000 | 3,850,000 | 5,160,000 |
| Interest expense | 463,000 | 909,000 | 1,357,000 | 1,840,000 |
| Net interest income | 813,000 | 1,636,000 | 2,493,000 | 3,320,000 |
| Noninterest income | 100,000 | 201,000 | 312,000 | 412,000 |
| Noninterest expense | 440,000 | 866,000 | 1,302,000 | 1,813,000 |
| Provision for loan losses | 24,000 | 42,000 | 66,000 | 90,000 |
| Pretax income | 449,000 | 929,000 | 1,437,000 | 1,829,000 |
| Income tax | 162,000 | 333,000 | 515,000 | 654,000 |
| Net income | 287,000 | 596,000 | 922,000 | 1,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,279,000 | 7,602,000 | 7,721,000 | 7,808,000 |
| Total capital | 8,087,000 | 8,411,000 | 8,558,000 | 8,650,000 |
| Risk-weighted assets | 64,373,000 | 64,462,000 | 66,683,000 | 67,048,000 |