Call reports 2011
MEMPHIS STATE BANK — 2011
What MEMPHIS STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 32,062,000 | 31,075,000 | 33,140,000 | 34,364,000 |
| Total loans | 6,810,000 | 6,110,000 | 6,171,000 | 5,979,000 |
| Allowance for loan losses | 82,000 | 79,000 | 79,000 | 80,000 |
| Securities available for sale | 22,171,000 | 21,731,000 | 21,793,000 | 23,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,173,000 | 26,982,000 | 28,965,000 | 30,467,000 |
| Interest-bearing deposits | 19,960,000 | 18,504,000 | 18,787,000 | 19,894,000 |
| Noninterest-bearing deposits | 8,213,000 | 8,478,000 | 10,178,000 | 10,573,000 |
| Equity capital | 3,856,000 | 4,016,000 | 4,127,000 | 3,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 225,000 | 465,000 | 668,000 | 909,000 |
| Interest expense | 28,000 | 49,000 | 70,000 | 91,000 |
| Net interest income | 197,000 | 416,000 | 598,000 | 818,000 |
| Noninterest income | 39,000 | 95,000 | 147,000 | 195,000 |
| Noninterest expense | 225,000 | 451,000 | 674,000 | 911,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 11,000 | 203,000 | 224,000 | 268,000 |
| Income tax | 2,000 | 55,000 | 61,000 | 83,000 |
| Net income | 9,000 | 148,000 | 163,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,192,000 | 3,307,000 | 3,321,000 | 3,183,000 |
| Total capital | 3,274,000 | 3,386,000 | 3,400,000 | 3,263,000 |
| Risk-weighted assets | 11,834,000 | 11,009,000 | 11,334,000 | 11,626,000 |