Call reports 2012
MEMPHIS STATE BANK — 2012
What MEMPHIS STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 36,407,000 | 35,744,000 | 34,816,000 | 35,309,000 |
| Total loans | 6,214,000 | 5,754,000 | 6,166,000 | 5,447,000 |
| Allowance for loan losses | 80,000 | 80,000 | 80,000 | 79,000 |
| Securities available for sale | 26,527,000 | 26,460,000 | 26,325,000 | 25,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,392,000 | 31,445,000 | 28,846,000 | 31,280,000 |
| Interest-bearing deposits | 20,176,000 | 19,152,000 | 18,138,000 | 19,458,000 |
| Noninterest-bearing deposits | 12,216,000 | 12,293,000 | 10,708,000 | 11,822,000 |
| Equity capital | 3,863,000 | 4,217,000 | 4,172,000 | 4,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 256,000 | 511,000 | 747,000 | 975,000 |
| Interest expense | 19,000 | 36,000 | 51,000 | 69,000 |
| Net interest income | 237,000 | 475,000 | 696,000 | 906,000 |
| Noninterest income | 59,000 | 99,000 | 140,000 | 179,000 |
| Noninterest expense | 230,000 | 454,000 | 672,000 | 913,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 116,000 | 325,000 | 489,000 | 548,000 |
| Income tax | 23,000 | 104,000 | 159,000 | 185,000 |
| Net income | 93,000 | 221,000 | 330,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,276,000 | 3,404,000 | 3,313,000 | 3,246,000 |
| Total capital | 3,356,000 | 3,484,000 | 3,393,000 | 3,325,000 |
| Risk-weighted assets | 12,242,000 | 11,863,000 | 11,653,000 | 11,282,000 |