Call reports 2004
COUNTY FIRST BANK — 2004
What COUNTY 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 | 138,060,000 | 135,550,000 | 147,792,000 | 147,312,000 |
| Total loans | 83,452,000 | 84,169,000 | 90,006,000 | 94,166,000 |
| Allowance for loan losses | 1,083,000 | 1,083,000 | 1,083,000 | 1,086,000 |
| Securities available for sale | 8,615,000 | 12,383,000 | 12,501,000 | 12,416,000 |
| Securities held to maturity | 32,300,000 | 31,800,000 | 31,800,000 | 31,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,272,000 | 120,923,000 | 124,724,000 | 127,162,000 |
| Interest-bearing deposits | 105,118,000 | 100,330,000 | 105,107,000 | 106,435,000 |
| Noninterest-bearing deposits | 18,154,000 | 20,593,000 | 19,617,000 | 20,727,000 |
| Equity capital | 12,091,000 | 12,465,000 | 12,889,000 | 13,274,000 |
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 | 1,534,000 | 3,051,000 | 4,710,000 | 6,480,000 |
| Interest expense | 285,000 | 557,000 | 860,000 | 1,193,000 |
| Net interest income | 1,249,000 | 2,494,000 | 3,850,000 | 5,287,000 |
| Noninterest income | 90,000 | 195,000 | 286,000 | 375,000 |
| Noninterest expense | 875,000 | 1,778,000 | 2,707,000 | 3,602,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 464,000 | 911,000 | 1,429,000 | 2,060,000 |
| Income tax | 153,000 | 292,000 | 462,000 | 662,000 |
| Net income | 311,000 | 619,000 | 967,000 | 1,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,021,000 | 12,537,000 | 12,888,000 | 13,325,000 |
| Total capital | 13,104,000 | 13,620,000 | 13,971,000 | 14,411,000 |
| Risk-weighted assets | 107,895,000 | 108,568,000 | 116,505,000 | 120,119,000 |