Call reports 2002
MURRAY STATE BANK — 2002
What MURRAY STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 31,460,000 | 32,772,000 | 33,570,000 | 35,442,000 |
| Total loans | 21,175,000 | 21,873,000 | 21,773,000 | 21,929,000 |
| Allowance for loan losses | 255,000 | 255,000 | 255,000 | 254,000 |
| Securities available for sale | 3,232,000 | 3,175,000 | 3,714,000 | 5,449,000 |
| Securities held to maturity | 2,820,000 | 2,621,000 | 2,571,000 | 2,912,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,053,000 | 27,954,000 | 28,593,000 | 30,401,000 |
| Interest-bearing deposits | 23,192,000 | 24,036,000 | 24,870,000 | 26,785,000 |
| Noninterest-bearing deposits | 3,861,000 | 3,918,000 | 3,723,000 | 3,616,000 |
| Equity capital | 3,624,000 | 3,769,000 | 3,891,000 | 3,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 488,000 | 991,000 | 1,496,000 | 2,005,000 |
| Interest expense | 185,000 | 361,000 | 542,000 | 726,000 |
| Net interest income | 303,000 | 630,000 | 954,000 | 1,279,000 |
| Noninterest income | 27,000 | 57,000 | 91,000 | 125,000 |
| Noninterest expense | 195,000 | 367,000 | 562,000 | 802,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 135,000 | 329,000 | 492,000 | 605,000 |
| Income tax | 51,000 | 110,000 | 172,000 | 214,000 |
| Net income | 84,000 | 219,000 | 320,000 | 391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,599,000 | 3,734,000 | 3,835,000 | 3,903,000 |
| Total capital | 3,851,000 | 3,989,000 | 4,090,000 | 4,157,000 |
| Risk-weighted assets | 20,135,000 | 21,141,000 | 20,955,000 | 20,802,000 |