Call reports 2009
TRI-STATE BANK OF MEMPHIS — 2009
What TRI-STATE BANK OF MEMPHIS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 121,343,000 | 133,324,000 | 128,285,000 | 121,695,000 |
| Total loans | 89,069,000 | 89,291,000 | 87,404,000 | 85,716,000 |
| Allowance for loan losses | 1,428,000 | 1,330,000 | 1,341,000 | 1,400,000 |
| Securities available for sale | 19,438,000 | 22,742,000 | 22,177,000 | 26,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,369,000 | 108,710,000 | 103,347,000 | 99,214,000 |
| Interest-bearing deposits | 77,599,000 | 88,969,000 | 83,561,000 | 78,645,000 |
| Noninterest-bearing deposits | 19,770,000 | 19,741,000 | 19,786,000 | 20,569,000 |
| Equity capital | 15,205,000 | 17,738,000 | 17,925,000 | 17,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,701,000 | 3,409,000 | 5,193,000 | 6,849,000 |
| Interest expense | 334,000 | 648,000 | 949,000 | 1,178,000 |
| Net interest income | 1,367,000 | 2,761,000 | 4,244,000 | 5,671,000 |
| Noninterest income | 254,000 | 439,000 | 680,000 | 970,000 |
| Noninterest expense | 1,522,000 | 3,193,000 | 4,818,000 | 6,478,000 |
| Provision for loan losses | 100,000 | 215,000 | 335,000 | 574,000 |
| Pretax income | -1,000 | -201,000 | -222,000 | -398,000 |
| Income tax | -12,000 | -109,000 | -134,000 | -179,000 |
| Net income | 11,000 | -92,000 | -88,000 | -219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,992,000 | 17,667,000 | 17,636,000 | 17,470,000 |
| Total capital | 16,189,000 | 18,896,000 | 18,826,000 | 18,625,000 |
| Risk-weighted assets | 95,565,000 | 98,187,000 | 95,026,000 | 92,160,000 |