Call reports 2004
COMMUNITY BANK OF MEMPHIS — 2004
What COMMUNITY BANK OF MEMPHIS 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 | 30,313,000 | 29,158,000 | 29,748,000 | 30,026,000 |
| Total loans | 14,300,000 | 14,272,000 | 14,091,000 | 13,637,000 |
| Allowance for loan losses | 179,000 | 180,000 | 186,000 | 191,000 |
| Securities available for sale | 11,729,000 | 13,064,000 | 12,058,000 | 13,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,713,000 | 25,400,000 | 26,193,000 | 26,517,000 |
| Interest-bearing deposits | 23,024,000 | 22,699,000 | 23,033,000 | 22,905,000 |
| Noninterest-bearing deposits | 3,689,000 | 2,701,000 | 3,160,000 | 3,612,000 |
| Equity capital | 3,374,000 | 3,274,000 | 3,372,000 | 3,377,000 |
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 | 320,000 | 642,000 | 964,000 | 1,287,000 |
| Interest expense | 123,000 | 243,000 | 364,000 | 487,000 |
| Net interest income | 197,000 | 399,000 | 600,000 | 800,000 |
| Noninterest income | 23,000 | 46,000 | 69,000 | 94,000 |
| Noninterest expense | 143,000 | 283,000 | 425,000 | 563,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 71,000 | 150,000 | 226,000 | 307,000 |
| Income tax | 27,000 | 56,000 | 85,000 | 101,000 |
| Net income | 44,000 | 94,000 | 141,000 | 206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,370,000 | 2,420,000 | 2,467,000 | 2,533,000 |
| Total capital | 2,549,000 | 2,600,000 | 2,653,000 | 2,721,000 |
| Risk-weighted assets | 15,409,000 | 15,672,000 | 15,457,000 | 15,045,000 |