Call reports 2008
MEMPHIS STATE BANK — 2008
What MEMPHIS STATE BANK 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 | 29,102,000 | 27,378,000 | 28,843,000 | 28,834,000 |
| Total loans | 6,343,000 | 7,144,000 | 8,371,000 | 7,849,000 |
| Allowance for loan losses | 82,000 | 82,000 | 81,000 | 100,000 |
| Securities available for sale | 16,142,000 | 17,414,000 | 17,647,000 | 15,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,444,000 | 21,037,000 | 21,835,000 | 23,018,000 |
| Interest-bearing deposits | 19,546,000 | 15,642,000 | 15,537,000 | 15,821,000 |
| Noninterest-bearing deposits | 5,898,000 | 5,395,000 | 6,298,000 | 7,197,000 |
| Equity capital | 3,452,000 | 3,101,000 | 3,395,000 | 3,613,000 |
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 | 324,000 | 647,000 | 983,000 | 1,301,000 |
| Interest expense | 103,000 | 200,000 | 278,000 | 342,000 |
| Net interest income | 221,000 | 447,000 | 705,000 | 959,000 |
| Noninterest income | 45,000 | 100,000 | 151,000 | 197,000 |
| Noninterest expense | 204,000 | 434,000 | 652,000 | 882,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 62,000 | 113,000 | 204,000 | 402,000 |
| Income tax | 10,000 | 24,000 | 57,000 | 137,000 |
| Net income | 52,000 | 89,000 | 147,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,565,000 | 2,602,000 | 2,660,000 | 2,778,000 |
| Total capital | 2,647,000 | 2,684,000 | 2,741,000 | 2,878,000 |
| Risk-weighted assets | 10,453,000 | 10,950,000 | 12,204,000 | 11,573,000 |
Machine access — free, no API key
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