Call reports 2014
MEMPHIS STATE BANK — 2014
What MEMPHIS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Total assets | 35,023,000 | 32,981,000 | 31,926,000 |
| Total loans | 4,748,000 | 5,226,000 | 6,190,000 |
| Allowance for loan losses | 79,000 | 79,000 | 79,000 |
| Securities available for sale | 24,356,000 | 24,106,000 | 23,194,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 31,665,000 | 29,311,000 | 27,193,000 |
| Interest-bearing deposits | 21,150,000 | 20,263,000 | 19,121,000 |
| Noninterest-bearing deposits | 10,515,000 | 9,048,000 | 8,072,000 |
| Equity capital | 3,336,000 | 3,639,000 | 3,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Interest income | 183,000 | 370,000 | 544,000 |
| Interest expense | 16,000 | 33,000 | 49,000 |
| Net interest income | 167,000 | 337,000 | 495,000 |
| Noninterest income | 50,000 | 98,000 | 143,000 |
| Noninterest expense | 209,000 | 421,000 | 638,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 8,000 | 14,000 | 0 |
| Income tax | -3,000 | 5,000 | -5,000 |
| Net income | 11,000 | 9,000 | 5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 |
|---|---|---|---|
| Tier 1 capital | 3,265,000 | 3,302,000 | 3,293,000 |
| Total capital | 3,344,000 | 3,382,000 | 3,372,000 |
| Risk-weighted assets | 11,300,000 | 11,016,000 | 11,839,000 |