Call reports 2014
TRI-STATE BANK OF MEMPHIS — 2014
What TRI-STATE BANK OF MEMPHIS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 131,725,000 | 133,526,000 | 126,260,000 | 124,434,000 |
| Total loans | 81,165,000 | 80,562,000 | 81,898,000 | 81,982,000 |
| Allowance for loan losses | 1,863,000 | 1,724,000 | 1,733,000 | 2,185,000 |
| Securities available for sale | 33,336,000 | 33,230,000 | 31,651,000 | 30,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,455,000 | 119,457,000 | 112,074,000 | 108,135,000 |
| Interest-bearing deposits | 96,162,000 | 100,205,000 | 92,434,000 | 89,699,000 |
| Noninterest-bearing deposits | 21,293,000 | 19,252,000 | 19,640,000 | 18,436,000 |
| Equity capital | 13,181,000 | 13,072,000 | 13,236,000 | 12,323,000 |
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 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,291,000 | 2,587,000 | 3,849,000 | 5,101,000 |
| Interest expense | 95,000 | 193,000 | 291,000 | 360,000 |
| Net interest income | 1,196,000 | 2,394,000 | 3,558,000 | 4,741,000 |
| Noninterest income | 273,000 | 545,000 | 1,102,000 | 1,383,000 |
| Noninterest expense | 1,518,000 | 2,986,000 | 4,521,000 | 5,962,000 |
| Provision for loan losses | 0 | 340,000 | 340,000 | 1,039,000 |
| Pretax income | -93,000 | -431,000 | -245,000 | -921,000 |
| Income tax | -46,000 | -211,000 | -150,000 | 150,000 |
| Net income | -47,000 | -220,000 | -95,000 | -1,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,464,000 | 11,277,000 | 11,402,000 | 10,496,000 |
| Total capital | 12,610,000 | 12,418,000 | 12,558,000 | 11,630,000 |
| Risk-weighted assets | 90,975,000 | 90,698,000 | 91,910,000 | 89,659,000 |