Call reports 2013
MEMPHIS STATE BANK — 2013
What MEMPHIS STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 35,985,000 | 34,636,000 | 33,632,000 | 33,574,000 |
| Total loans | 5,624,000 | 5,317,000 | 5,286,000 | 5,252,000 |
| Allowance for loan losses | 80,000 | 76,000 | 76,000 | 79,000 |
| Securities available for sale | 28,000,000 | 26,316,000 | 25,711,000 | 24,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,730,000 | 29,905,000 | 25,972,000 | 30,490,000 |
| Interest-bearing deposits | 19,580,000 | 18,707,000 | 18,195,000 | 19,891,000 |
| Noninterest-bearing deposits | 10,150,000 | 11,198,000 | 7,777,000 | 10,599,000 |
| Equity capital | 3,970,000 | 3,243,000 | 3,349,000 | 3,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 193,000 | 380,000 | 563,000 | 741,000 |
| Interest expense | 14,000 | 35,000 | 54,000 | 73,000 |
| Net interest income | 179,000 | 345,000 | 509,000 | 668,000 |
| Noninterest income | 43,000 | 95,000 | 137,000 | 191,000 |
| Noninterest expense | 216,000 | 390,000 | 586,000 | 807,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 6,000 | 119,000 | 129,000 | 121,000 |
| Income tax | 2,000 | 26,000 | 32,000 | 34,000 |
| Net income | 4,000 | 93,000 | 97,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,250,000 | 3,006,000 | 3,009,000 | 3,112,000 |
| Total capital | 3,330,000 | 3,082,000 | 3,085,000 | 3,191,000 |
| Risk-weighted assets | 11,631,000 | 11,636,000 | 11,331,000 | 11,647,000 |