Call reports 2004
TRI-STATE BANK OF MEMPHIS — 2004
What TRI-STATE BANK OF MEMPHIS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 124,752,000 | 133,371,000 | 124,965,000 | 113,034,000 |
| Total loans | 65,919,000 | 66,836,000 | 65,619,000 | 66,235,000 |
| Allowance for loan losses | 1,498,000 | 1,508,000 | 1,510,000 | 1,506,000 |
| Securities available for sale | 37,112,000 | 42,612,000 | 37,954,000 | 37,476,000 |
| Securities held to maturity | 12,000 | 10,000 | 9,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,438,000 | 118,216,000 | 109,260,000 | 97,426,000 |
| Interest-bearing deposits | 84,122,000 | 93,712,000 | 84,479,000 | 75,136,000 |
| Noninterest-bearing deposits | 25,316,000 | 24,504,000 | 24,781,000 | 22,290,000 |
| Equity capital | 14,715,000 | 14,394,000 | 14,866,000 | 14,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,575,000 | 3,155,000 | 4,770,000 | 6,268,000 |
| Interest expense | 183,000 | 371,000 | 579,000 | 795,000 |
| Net interest income | 1,392,000 | 2,784,000 | 4,191,000 | 5,473,000 |
| Noninterest income | 300,000 | 817,000 | 987,000 | 1,273,000 |
| Noninterest expense | 1,408,000 | 2,903,000 | 4,355,000 | 5,691,000 |
| Provision for loan losses | 25,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 245,000 | 634,000 | 733,000 | 964,000 |
| Income tax | 80,000 | 220,000 | 245,000 | 285,000 |
| Net income | 165,000 | 414,000 | 488,000 | 679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,328,000 | 14,578,000 | 14,652,000 | 14,843,000 |
| Total capital | 15,328,000 | 15,626,000 | 15,646,000 | 15,809,000 |
| Risk-weighted assets | 79,509,000 | 83,374,000 | 78,972,000 | 76,713,000 |
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