Call reports 2004
COMMUNITY FIRSTBANK OF CHARLESTON — 2004
What COMMUNITY FIRSTBANK OF CHARLESTON 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 | 253,207,000 | 256,357,000 | 262,932,000 | 274,069,000 |
| Total loans | 207,381,000 | 213,563,000 | 220,173,000 | 234,479,000 |
| Allowance for loan losses | 2,589,000 | 2,666,000 | 2,693,000 | 2,693,000 |
| Securities available for sale | 23,638,000 | 25,397,000 | 25,602,000 | 25,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,436,000 | 196,472,000 | 197,154,000 | 197,995,000 |
| Interest-bearing deposits | 166,004,000 | 162,068,000 | 172,511,000 | 173,560,000 |
| Noninterest-bearing deposits | 22,432,000 | 34,404,000 | 24,643,000 | 24,435,000 |
| Equity capital | 18,945,000 | 19,102,000 | 19,848,000 | 20,453,000 |
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 | 2,914,000 | 5,790,000 | 8,879,000 | 12,332,000 |
| Interest expense | 978,000 | 1,904,000 | 2,952,000 | 4,217,000 |
| Net interest income | 1,936,000 | 3,886,000 | 5,927,000 | 8,115,000 |
| Noninterest income | 191,000 | 377,000 | 557,000 | 722,000 |
| Noninterest expense | 1,248,000 | 2,489,000 | 3,739,000 | 5,000,000 |
| Provision for loan losses | 100,000 | 175,000 | 205,000 | 235,000 |
| Pretax income | 914,000 | 1,774,000 | 2,720,000 | 3,782,000 |
| Income tax | 341,000 | 659,000 | 1,009,000 | 1,399,000 |
| Net income | 573,000 | 1,115,000 | 1,711,000 | 2,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,829,000 | 19,371,000 | 19,967,000 | 20,639,000 |
| Total capital | 21,375,000 | 22,002,000 | 22,660,000 | 23,332,000 |
| Risk-weighted assets | 203,604,000 | 210,482,000 | 215,983,000 | 229,580,000 |