Call reports 2003
COMMUNITY BANK OF MEMPHIS — 2003
What COMMUNITY BANK OF MEMPHIS 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 | 31,070,000 | 31,009,000 | 30,770,000 | 29,929,000 |
| Total loans | 14,288,000 | 15,013,000 | 15,206,000 | 14,920,000 |
| Allowance for loan losses | 155,000 | 161,000 | 167,000 | 173,000 |
| Securities available for sale | 11,462,000 | 12,334,000 | 13,278,000 | 12,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,406,000 | 27,270,000 | 27,047,000 | 26,086,000 |
| Interest-bearing deposits | 23,832,000 | 23,946,000 | 22,806,000 | 22,493,000 |
| Noninterest-bearing deposits | 3,574,000 | 3,324,000 | 4,241,000 | 3,593,000 |
| Equity capital | 3,404,000 | 3,479,000 | 3,475,000 | 3,499,000 |
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 | 354,000 | 718,000 | 1,068,000 | 1,408,000 |
| Interest expense | 167,000 | 327,000 | 472,000 | 606,000 |
| Net interest income | 187,000 | 391,000 | 596,000 | 802,000 |
| Noninterest income | 24,000 | 51,000 | 74,000 | 96,000 |
| Noninterest expense | 138,000 | 279,000 | 418,000 | 548,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 67,000 | 151,000 | 234,000 | 326,000 |
| Income tax | 24,000 | 54,000 | 84,000 | 109,000 |
| Net income | 43,000 | 97,000 | 150,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,343,000 | 2,396,000 | 2,449,000 | 2,511,000 |
| Total capital | 2,498,000 | 2,557,000 | 2,616,000 | 2,684,000 |
| Risk-weighted assets | 15,817,000 | 16,253,000 | 16,187,000 | 15,817,000 |