Call reports 2007
COMMUNITY BANK OF MEMPHIS — 2007
What COMMUNITY BANK OF MEMPHIS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 30,545,000 | 31,162,000 | 32,668,000 | 32,637,000 |
| Total loans | 16,724,000 | 17,479,000 | 18,601,000 | 18,358,000 |
| Allowance for loan losses | 231,000 | 232,000 | 238,000 | 237,000 |
| Securities available for sale | 9,382,000 | 9,947,000 | 10,058,000 | 11,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,036,000 | 27,606,000 | 28,899,000 | 28,725,000 |
| Interest-bearing deposits | 23,392,000 | 24,150,000 | 24,780,000 | 24,589,000 |
| Noninterest-bearing deposits | 3,644,000 | 3,456,000 | 4,119,000 | 4,136,000 |
| Equity capital | 3,268,000 | 3,305,000 | 3,438,000 | 3,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 411,000 | 857,000 | 1,329,000 | 1,819,000 |
| Interest expense | 197,000 | 417,000 | 651,000 | 887,000 |
| Net interest income | 214,000 | 440,000 | 678,000 | 932,000 |
| Noninterest income | 29,000 | 55,000 | 84,000 | 118,000 |
| Noninterest expense | 150,000 | 302,000 | 471,000 | 639,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 87,000 | 181,000 | 273,000 | 387,000 |
| Income tax | 32,000 | 67,000 | 101,000 | 137,000 |
| Net income | 55,000 | 114,000 | 172,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,403,000 | 2,463,000 | 2,521,000 | 2,598,000 |
| Total capital | 2,611,000 | 2,679,000 | 2,749,000 | 2,823,000 |
| Risk-weighted assets | 16,631,000 | 17,230,000 | 18,260,000 | 18,026,000 |