Call reports 2020
TRI-STATE BANK OF MEMPHIS — 2020
What TRI-STATE BANK OF MEMPHIS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 90,071,000 | 103,263,000 | 101,179,000 | 102,627,000 |
| Total loans | 49,737,000 | 52,095,000 | 53,008,000 | 51,119,000 |
| Allowance for loan losses | 1,471,000 | 1,625,000 | 1,762,000 | 1,589,000 |
| Securities available for sale | 22,430,000 | 23,596,000 | 23,698,000 | 21,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,484,000 | 92,025,000 | 90,288,000 | 91,839,000 |
| Interest-bearing deposits | 55,776,000 | 63,964,000 | 62,531,000 | 62,701,000 |
| Noninterest-bearing deposits | 22,708,000 | 28,061,000 | 27,757,000 | 29,138,000 |
| Equity capital | 11,239,000 | 10,823,000 | 10,513,000 | 10,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 824,000 | 1,433,000 | 2,113,000 | 3,073,000 |
| Interest expense | 121,000 | 239,000 | 337,000 | 413,000 |
| Net interest income | 703,000 | 1,194,000 | 1,776,000 | 2,660,000 |
| Noninterest income | 178,000 | 304,000 | 459,000 | 571,000 |
| Noninterest expense | 974,000 | 1,830,000 | 2,728,000 | 3,914,000 |
| Provision for loan losses | 100,000 | 350,000 | 500,000 | 500,000 |
| Pretax income | -191,000 | -671,000 | -982,000 | -1,172,000 |
| Income tax | -24,000 | -84,000 | -126,000 | -46,000 |
| Net income | -167,000 | -587,000 | -856,000 | -1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,637,000 | 8,218,000 | 7,948,000 | 7,733,000 |
| Total capital | 9,278,000 | 8,994,000 | 8,689,000 | 8,484,000 |
| Risk-weighted assets | 50,426,000 | 61,203,000 | 58,258,000 | 59,248,000 |