Call reports 2005
COMMUNITY BANK OF MEMPHIS — 2005
What COMMUNITY BANK OF MEMPHIS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 29,884,000 | 30,420,000 | 28,962,000 | 28,245,000 |
| Total loans | 14,540,000 | 15,387,000 | 15,696,000 | 15,611,000 |
| Allowance for loan losses | 197,000 | 203,000 | 208,000 | 211,000 |
| Securities available for sale | 12,460,000 | 11,803,000 | 11,208,000 | 10,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,646,000 | 27,023,000 | 24,278,000 | 23,761,000 |
| Interest-bearing deposits | 23,029,000 | 22,639,000 | 20,955,000 | 20,451,000 |
| Noninterest-bearing deposits | 3,617,000 | 4,384,000 | 3,323,000 | 3,310,000 |
| Equity capital | 3,135,000 | 3,262,000 | 3,269,000 | 3,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 322,000 | 659,000 | 999,000 | 1,340,000 |
| Interest expense | 119,000 | 239,000 | 364,000 | 492,000 |
| Net interest income | 203,000 | 420,000 | 635,000 | 848,000 |
| Noninterest income | 23,000 | 48,000 | 73,000 | 96,000 |
| Noninterest expense | 144,000 | 295,000 | 438,000 | 583,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 76,000 | 161,000 | 252,000 | 337,000 |
| Income tax | 28,000 | 59,000 | 92,000 | 117,000 |
| Net income | 48,000 | 102,000 | 160,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,387,000 | 2,441,000 | 2,499,000 | 2,560,000 |
| Total capital | 2,584,000 | 2,627,000 | 2,700,000 | 2,755,000 |
| Risk-weighted assets | 15,761,000 | 14,877,000 | 16,069,000 | 15,552,000 |