Call reports 2005
MEMPHIS STATE BANK — 2005
What MEMPHIS STATE BANK 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 | 38,561,000 | 36,940,000 | 37,822,000 | 39,494,000 |
| Total loans | 5,855,000 | 5,973,000 | 7,121,000 | 7,829,000 |
| Allowance for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,750,000 | 27,754,000 | 27,756,000 | 27,758,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,369,000 | 32,139,000 | 31,439,000 | 35,055,000 |
| Interest-bearing deposits | 30,993,000 | 27,726,000 | 27,252,000 | 30,485,000 |
| Noninterest-bearing deposits | 4,376,000 | 4,413,000 | 4,187,000 | 4,570,000 |
| Equity capital | 3,127,000 | 3,168,000 | 3,200,000 | 3,247,000 |
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 | 378,000 | 762,000 | 1,157,000 | 1,576,000 |
| Interest expense | 128,000 | 269,000 | 427,000 | 604,000 |
| Net interest income | 250,000 | 493,000 | 730,000 | 972,000 |
| Noninterest income | 49,000 | 78,000 | 109,000 | 146,000 |
| Noninterest expense | 217,000 | 432,000 | 649,000 | 862,000 |
| Provision for loan losses | 0 | 0 | 0 | -12,000 |
| Pretax income | 83,000 | 140,000 | 191,000 | 269,000 |
| Income tax | 13,000 | 29,000 | 48,000 | 79,000 |
| Net income | 70,000 | 111,000 | 143,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,365,000 | 2,406,000 | 2,438,000 | 2,485,000 |
| Total capital | 2,465,000 | 2,506,000 | 2,538,000 | 2,585,000 |
| Risk-weighted assets | 11,747,000 | 11,376,000 | 12,643,000 | 13,550,000 |
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