Call reports 2007
MEMPHIS STATE BANK — 2007
What MEMPHIS STATE BANK 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 | 36,487,000 | 34,258,000 | 28,622,000 | 27,685,000 |
| Total loans | 6,742,000 | 6,298,000 | 6,466,000 | 6,902,000 |
| Allowance for loan losses | 100,000 | 96,000 | 82,000 | 82,000 |
| Securities available for sale | 0 | 0 | 0 | 16,939,000 |
| Securities held to maturity | 26,763,000 | 21,000,000 | 19,000,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,834,000 | 30,964,000 | 21,732,000 | 22,232,000 |
| Interest-bearing deposits | 26,769,000 | 25,260,000 | 16,570,000 | 16,830,000 |
| Noninterest-bearing deposits | 5,065,000 | 5,704,000 | 5,162,000 | 5,402,000 |
| Equity capital | 3,265,000 | 3,170,000 | 3,223,000 | 3,223,000 |
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 | 416,000 | 836,000 | 1,212,000 | 1,546,000 |
| Interest expense | 213,000 | 430,000 | 593,000 | 722,000 |
| Net interest income | 203,000 | 406,000 | 619,000 | 824,000 |
| Noninterest income | 38,000 | 87,000 | 144,000 | 197,000 |
| Noninterest expense | 220,000 | 433,000 | 649,000 | 855,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 21,000 | -77,000 | -23,000 | 29,000 |
| Income tax | 3,000 | 0 | 0 | 1,000 |
| Net income | 18,000 | -77,000 | -23,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,503,000 | 2,408,000 | 2,461,000 | 2,522,000 |
| Total capital | 2,603,000 | 2,504,000 | 2,543,000 | 2,604,000 |
| Risk-weighted assets | 12,229,000 | 11,810,000 | 10,521,000 | 10,497,000 |
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