Call reports 2009
MEMPHIS STATE BANK — 2009
What MEMPHIS STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 27,563,000 | 26,655,000 | 27,720,000 | 31,074,000 |
| Total loans | 6,649,000 | 6,836,000 | 7,081,000 | 6,855,000 |
| Allowance for loan losses | 99,000 | 95,000 | 85,000 | 85,000 |
| Securities available for sale | 16,091,000 | 14,385,000 | 16,214,000 | 18,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,779,000 | 23,139,000 | 23,163,000 | 27,396,000 |
| Interest-bearing deposits | 17,192,000 | 16,872,000 | 17,461,000 | 19,461,000 |
| Noninterest-bearing deposits | 6,587,000 | 6,267,000 | 5,702,000 | 7,935,000 |
| Equity capital | 3,678,000 | 3,418,000 | 3,676,000 | 3,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 271,000 | 520,000 | 773,000 | 1,050,000 |
| Interest expense | 50,000 | 94,000 | 139,000 | 182,000 |
| Net interest income | 221,000 | 426,000 | 634,000 | 868,000 |
| Noninterest income | 50,000 | 98,000 | 145,000 | 201,000 |
| Noninterest expense | 225,000 | 452,000 | 668,000 | 900,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 76,000 | 118,000 | 157,000 | 215,000 |
| Income tax | 12,000 | 22,000 | 32,000 | 53,000 |
| Net income | 64,000 | 96,000 | 125,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,843,000 | 2,874,000 | 2,903,000 | 2,940,000 |
| Total capital | 2,942,000 | 2,969,000 | 2,988,000 | 3,025,000 |
| Risk-weighted assets | 10,520,000 | 10,656,000 | 10,191,000 | 10,219,000 |