Call reports 2008
COMMUNITY BANK OF MEMPHIS — 2008
What COMMUNITY BANK OF MEMPHIS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 32,872,000 | 33,074,000 | 34,789,000 | 35,462,000 |
| Total loans | 18,979,000 | 19,556,000 | 19,654,000 | 19,551,000 |
| Allowance for loan losses | 243,000 | 251,000 | 255,000 | 250,000 |
| Securities available for sale | 10,495,000 | 9,818,000 | 10,387,000 | 11,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,851,000 | 29,169,000 | 30,805,000 | 31,101,000 |
| Interest-bearing deposits | 25,252,000 | 24,378,000 | 26,120,000 | 26,342,000 |
| Noninterest-bearing deposits | 3,599,000 | 4,791,000 | 4,685,000 | 4,759,000 |
| Equity capital | 3,634,000 | 3,588,000 | 3,654,000 | 3,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 477,000 | 956,000 | 1,430,000 | 1,914,000 |
| Interest expense | 226,000 | 437,000 | 646,000 | 847,000 |
| Net interest income | 251,000 | 519,000 | 784,000 | 1,067,000 |
| Noninterest income | 27,000 | 52,000 | 81,000 | 107,000 |
| Noninterest expense | 187,000 | 362,000 | 543,000 | 731,000 |
| Provision for loan losses | 6,000 | 14,000 | 22,000 | 29,000 |
| Pretax income | 85,000 | 195,000 | 300,000 | 414,000 |
| Income tax | 31,000 | 71,000 | 109,000 | 148,000 |
| Net income | 54,000 | 124,000 | 191,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,535,000 | 2,605,000 | 2,672,000 | 2,747,000 |
| Total capital | 2,767,000 | 2,843,000 | 2,919,000 | 2,994,000 |
| Risk-weighted assets | 18,577,000 | 19,041,000 | 19,779,000 | 19,761,000 |