Call reports 2010
MEMPHIS STATE BANK — 2010
What MEMPHIS STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 30,560,000 | 30,085,000 | 30,823,000 | 32,459,000 |
| Total loans | 7,105,000 | 7,012,000 | 7,453,000 | 7,242,000 |
| Allowance for loan losses | 83,000 | 83,000 | 82,000 | 83,000 |
| Securities available for sale | 18,291,000 | 19,773,000 | 20,392,000 | 19,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,750,000 | 25,760,000 | 25,114,000 | 28,679,000 |
| Interest-bearing deposits | 20,463,000 | 19,747,000 | 19,336,000 | 20,467,000 |
| Noninterest-bearing deposits | 6,287,000 | 6,013,000 | 5,778,000 | 8,212,000 |
| Equity capital | 3,762,000 | 3,961,000 | 3,954,000 | 3,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 276,000 | 533,000 | 790,000 | 1,017,000 |
| Interest expense | 44,000 | 87,000 | 129,000 | 168,000 |
| Net interest income | 232,000 | 446,000 | 661,000 | 849,000 |
| Noninterest income | 53,000 | 96,000 | 137,000 | 177,000 |
| Noninterest expense | 243,000 | 474,000 | 708,000 | 939,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 42,000 | 151,000 | 372,000 | 369,000 |
| Income tax | 6,000 | 38,000 | 122,000 | 126,000 |
| Net income | 36,000 | 113,000 | 250,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,976,000 | 3,053,000 | 3,190,000 | 3,183,000 |
| Total capital | 3,059,000 | 3,136,000 | 3,272,000 | 3,266,000 |
| Risk-weighted assets | 9,503,000 | 11,142,000 | 11,909,000 | 12,225,000 |