Call reports 2003
MURPHY-WALL STATE BANK AND TRUST COMPANY — 2003
What MURPHY-WALL STATE BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 68,497,000 | 68,948,000 | 68,702,000 | 68,358,000 |
| Total loans | 38,245,000 | 37,469,000 | 36,723,000 | 36,459,000 |
| Allowance for loan losses | 893,000 | 906,000 | 876,000 | 885,000 |
| Securities available for sale | 21,034,000 | 20,006,000 | 25,419,000 | 25,781,000 |
| Securities held to maturity | 325,000 | 325,000 | 325,000 | 225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,741,000 | 56,854,000 | 57,139,000 | 56,308,000 |
| Interest-bearing deposits | 50,236,000 | 50,263,000 | 50,201,000 | 49,862,000 |
| Noninterest-bearing deposits | 6,505,000 | 6,591,000 | 6,938,000 | 6,446,000 |
| Equity capital | 10,163,000 | 10,507,000 | 10,210,000 | 10,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 938,000 | 1,848,000 | 2,745,000 | 3,657,000 |
| Interest expense | 288,000 | 538,000 | 779,000 | 1,008,000 |
| Net interest income | 650,000 | 1,310,000 | 1,966,000 | 2,649,000 |
| Noninterest income | 108,000 | 194,000 | 283,000 | 392,000 |
| Noninterest expense | 472,000 | 943,000 | 1,430,000 | 1,986,000 |
| Provision for loan losses | 10,000 | 22,000 | 22,000 | 42,000 |
| Pretax income | 301,000 | 564,000 | 855,000 | 1,145,000 |
| Income tax | 99,000 | 184,000 | 277,000 | 367,000 |
| Net income | 202,000 | 380,000 | 578,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,876,000 | 10,054,000 | 10,072,000 | 10,182,000 |
| Total capital | 10,349,000 | 10,513,000 | 10,534,000 | 10,641,000 |
| Risk-weighted assets | 37,414,000 | 36,413,000 | 36,421,000 | 36,331,000 |
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