Call reports 2004
MEMPHIS STATE BANK — 2004
What MEMPHIS STATE BANK 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 | 24,988,000 | 38,049,000 | 36,024,000 | 38,055,000 |
| Total loans | 4,987,000 | 6,194,000 | 7,431,000 | 7,474,000 |
| Allowance for loan losses | 101,000 | 101,000 | 100,000 | 100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,500,000 | 25,483,000 | 24,478,000 | 26,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,012,000 | 35,043,000 | 32,941,000 | 33,531,000 |
| Interest-bearing deposits | 19,446,000 | 30,393,000 | 29,196,000 | 29,176,000 |
| Noninterest-bearing deposits | 2,566,000 | 4,650,000 | 3,745,000 | 4,355,000 |
| Equity capital | 2,921,000 | 2,943,000 | 3,018,000 | 3,057,000 |
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 | 256,000 | 483,000 | 860,000 | 1,223,000 |
| Interest expense | 70,000 | 135,000 | 246,000 | 355,000 |
| Net interest income | 186,000 | 348,000 | 614,000 | 868,000 |
| Noninterest income | 28,000 | 47,000 | 74,000 | 100,000 |
| Noninterest expense | 150,000 | 305,000 | 522,000 | 751,000 |
| Provision for loan losses | 0 | 0 | 0 | -12,000 |
| Pretax income | 64,000 | 94,000 | 170,000 | 233,000 |
| Income tax | 10,000 | 18,000 | 19,000 | 43,000 |
| Net income | 54,000 | 76,000 | 151,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,640,000 | 2,181,000 | 2,256,000 | 2,295,000 |
| Total capital | 2,741,000 | 2,282,000 | 2,356,000 | 2,395,000 |
| Risk-weighted assets | 7,998,000 | 11,920,000 | 12,541,000 | 12,946,000 |
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