Call reports 2003
MURRAY STATE BANK — 2003
What MURRAY STATE BANK 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 | 34,833,000 | 35,814,000 | 38,096,000 | 36,978,000 |
| Total loans | 21,457,000 | 23,592,000 | 26,187,000 | 25,535,000 |
| Allowance for loan losses | 254,000 | 255,000 | 255,000 | 255,000 |
| Securities available for sale | 5,003,000 | 5,024,000 | 5,653,000 | 5,635,000 |
| Securities held to maturity | 2,372,000 | 2,126,000 | 2,533,000 | 2,534,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,733,000 | 30,606,000 | 30,645,000 | 29,471,000 |
| Interest-bearing deposits | 26,523,000 | 27,083,000 | 26,441,000 | 25,088,000 |
| Noninterest-bearing deposits | 3,210,000 | 3,523,000 | 4,204,000 | 4,383,000 |
| Equity capital | 4,027,000 | 4,156,000 | 4,225,000 | 4,321,000 |
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 | 466,000 | 934,000 | 1,416,000 | 1,908,000 |
| Interest expense | 171,000 | 330,000 | 481,000 | 631,000 |
| Net interest income | 295,000 | 604,000 | 935,000 | 1,277,000 |
| Noninterest income | 26,000 | 72,000 | 94,000 | 141,000 |
| Noninterest expense | 208,000 | 403,000 | 621,000 | 857,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 113,000 | 273,000 | 408,000 | 561,000 |
| Income tax | 53,000 | 94,000 | 141,000 | 190,000 |
| Net income | 60,000 | 179,000 | 267,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,965,000 | 4,085,000 | 4,172,000 | 4,277,000 |
| Total capital | 4,219,000 | 4,340,000 | 4,427,000 | 4,532,000 |
| Risk-weighted assets | 20,358,000 | 21,641,000 | 23,788,000 | 23,169,000 |