Call reports 2003
COUNTY FIRST BANK — 2003
What COUNTY 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 | 127,861,000 | 128,319,000 | 133,148,000 | 137,295,000 |
| Total loans | 77,838,000 | 78,881,000 | 80,010,000 | 81,794,000 |
| Allowance for loan losses | 1,164,000 | 1,186,000 | 1,200,000 | 1,087,000 |
| Securities available for sale | 16,969,000 | 11,930,000 | 7,351,000 | 3,094,000 |
| Securities held to maturity | 13,850,000 | 23,175,000 | 30,675,000 | 41,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,825,000 | 114,660,000 | 119,015,000 | 122,573,000 |
| Interest-bearing deposits | 95,953,000 | 96,584,000 | 101,009,000 | 103,580,000 |
| Noninterest-bearing deposits | 17,872,000 | 18,076,000 | 18,006,000 | 18,993,000 |
| Equity capital | 11,508,000 | 11,595,000 | 11,824,000 | 12,142,000 |
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 | 1,512,000 | 3,041,000 | 4,537,000 | 6,073,000 |
| Interest expense | 373,000 | 703,000 | 1,013,000 | 1,310,000 |
| Net interest income | 1,139,000 | 2,338,000 | 3,524,000 | 4,763,000 |
| Noninterest income | 68,000 | 153,000 | 259,000 | 346,000 |
| Noninterest expense | 820,000 | 1,684,000 | 2,565,000 | 3,449,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 357,000 | 747,000 | 1,138,000 | 1,580,000 |
| Income tax | 107,000 | 227,000 | 342,000 | 489,000 |
| Net income | 250,000 | 520,000 | 796,000 | 1,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,385,000 | 11,472,000 | 11,750,000 | 12,085,000 |
| Total capital | 12,549,000 | 12,658,000 | 12,950,000 | 13,172,000 |
| Risk-weighted assets | 97,074,000 | 99,271,000 | 101,812,000 | 106,171,000 |