Call reports 2004
MURPHY-WALL STATE BANK AND TRUST COMPANY — 2004
What MURPHY-WALL STATE BANK AND TRUST COMPANY 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 | 71,692,000 | 68,349,000 | 69,499,000 | 67,968,000 |
| Total loans | 35,061,000 | 36,964,000 | 38,877,000 | 39,050,000 |
| Allowance for loan losses | 901,000 | 851,000 | 885,000 | 873,000 |
| Securities available for sale | 25,611,000 | 22,411,000 | 21,199,000 | 20,250,000 |
| Securities held to maturity | 225,000 | 225,000 | 298,000 | 297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,231,000 | 54,913,000 | 55,573,000 | 54,526,000 |
| Interest-bearing deposits | 50,092,000 | 47,420,000 | 48,383,000 | 46,958,000 |
| Noninterest-bearing deposits | 7,139,000 | 7,492,000 | 7,190,000 | 7,568,000 |
| Equity capital | 10,503,000 | 10,062,000 | 10,462,000 | 10,457,000 |
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 | 893,000 | 1,759,000 | 2,666,000 | 3,570,000 |
| Interest expense | 222,000 | 436,000 | 640,000 | 844,000 |
| Net interest income | 671,000 | 1,323,000 | 2,026,000 | 2,726,000 |
| Noninterest income | 81,000 | 165,000 | 253,000 | 337,000 |
| Noninterest expense | 477,000 | 973,000 | 1,461,000 | 2,007,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 40,000 |
| Pretax income | 275,000 | 546,000 | 829,000 | 1,047,000 |
| Income tax | 85,000 | 166,000 | 252,000 | 316,000 |
| Net income | 190,000 | 380,000 | 577,000 | 731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,256,000 | 10,312,000 | 10,419,000 | 10,483,000 |
| Total capital | 10,712,000 | 10,782,000 | 10,909,000 | 10,971,000 |
| Risk-weighted assets | 36,074,000 | 37,223,000 | 38,826,000 | 38,640,000 |
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