Call reports 2005
MURPHY-WALL STATE BANK AND TRUST COMPANY — 2005
What MURPHY-WALL STATE BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 65,935,000 | 67,184,000 | 71,821,000 | 71,788,000 |
| Total loans | 38,239,000 | 41,487,000 | 45,453,000 | 46,054,000 |
| Allowance for loan losses | 874,000 | 889,000 | 765,000 | 807,000 |
| Securities available for sale | 19,868,000 | 19,531,000 | 18,561,000 | 17,940,000 |
| Securities held to maturity | 297,000 | 297,000 | 296,000 | 266,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,775,000 | 54,798,000 | 56,217,000 | 55,911,000 |
| Interest-bearing deposits | 45,842,000 | 46,098,000 | 48,083,000 | 46,499,000 |
| Noninterest-bearing deposits | 7,933,000 | 8,700,000 | 8,134,000 | 9,412,000 |
| Equity capital | 10,311,000 | 10,487,000 | 10,519,000 | 10,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 886,000 | 1,808,000 | 2,792,000 | 3,865,000 |
| Interest expense | 202,000 | 421,000 | 680,000 | 965,000 |
| Net interest income | 684,000 | 1,387,000 | 2,112,000 | 2,900,000 |
| Noninterest income | 90,000 | 198,000 | 314,000 | 416,000 |
| Noninterest expense | 571,000 | 1,178,000 | 1,784,000 | 2,461,000 |
| Provision for loan losses | 4,000 | 16,000 | 30,000 | 73,000 |
| Pretax income | 199,000 | 391,000 | 612,000 | 782,000 |
| Income tax | 58,000 | 112,000 | 164,000 | 151,000 |
| Net income | 141,000 | 279,000 | 448,000 | 631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,534,000 | 10,547,000 | 10,626,000 | 10,719,000 |
| Total capital | 11,015,000 | 11,059,000 | 11,185,000 | 11,316,000 |
| Risk-weighted assets | 38,106,000 | 40,596,000 | 44,518,000 | 47,521,000 |
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