Call reports 2006
COMMUNITY BANK OF MEMPHIS — 2006
What COMMUNITY BANK OF MEMPHIS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 27,760,000 | 26,698,000 | 27,835,000 | 30,155,000 |
| Total loans | 16,124,000 | 15,596,000 | 16,194,000 | 16,857,000 |
| Allowance for loan losses | 217,000 | 222,000 | 228,000 | 221,000 |
| Securities available for sale | 9,565,000 | 8,857,000 | 8,539,000 | 9,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,433,000 | 23,375,000 | 24,327,000 | 26,546,000 |
| Interest-bearing deposits | 21,432,000 | 20,349,000 | 21,081,000 | 22,553,000 |
| Noninterest-bearing deposits | 3,001,000 | 3,026,000 | 3,246,000 | 3,993,000 |
| Equity capital | 3,158,000 | 3,208,000 | 3,322,000 | 3,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 345,000 | 692,000 | 1,055,000 | 1,458,000 |
| Interest expense | 132,000 | 270,000 | 422,000 | 604,000 |
| Net interest income | 213,000 | 422,000 | 633,000 | 854,000 |
| Noninterest income | 21,000 | 50,000 | 81,000 | 111,000 |
| Noninterest expense | 151,000 | 301,000 | 451,000 | 601,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 77,000 | 159,000 | 245,000 | 340,000 |
| Income tax | 28,000 | 58,000 | 90,000 | 117,000 |
| Net income | 49,000 | 101,000 | 155,000 | 223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,397,000 | 2,449,000 | 2,503,000 | 2,571,000 |
| Total capital | 2,593,000 | 2,636,000 | 2,699,000 | 2,778,000 |
| Risk-weighted assets | 15,682,000 | 14,927,000 | 15,677,000 | 16,532,000 |