Call reports 2004
MURRAY STATE BANK — 2004
What MURRAY STATE BANK 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 | 36,337,000 | 35,638,000 | 36,727,000 | 34,677,000 |
| Total loans | 25,316,000 | 25,335,000 | 27,617,000 | 26,151,000 |
| Allowance for loan losses | 256,000 | 256,000 | 256,000 | 256,000 |
| Securities available for sale | 5,647,000 | 5,126,000 | 4,766,000 | 4,328,000 |
| Securities held to maturity | 2,535,000 | 2,486,000 | 2,487,000 | 2,439,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,626,000 | 27,976,000 | 27,713,000 | 26,811,000 |
| Interest-bearing deposits | 24,608,000 | 24,146,000 | 23,479,000 | 23,207,000 |
| Noninterest-bearing deposits | 4,018,000 | 3,830,000 | 4,234,000 | 3,604,000 |
| Equity capital | 4,433,000 | 4,449,000 | 4,567,000 | 4,624,000 |
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 | 472,000 | 937,000 | 1,413,000 | 1,895,000 |
| Interest expense | 128,000 | 262,000 | 392,000 | 529,000 |
| Net interest income | 344,000 | 675,000 | 1,021,000 | 1,366,000 |
| Noninterest income | 36,000 | 75,000 | 116,000 | 156,000 |
| Noninterest expense | 247,000 | 469,000 | 707,000 | 972,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 144,000 | 292,000 | 441,000 | 561,000 |
| Income tax | 39,000 | 99,000 | 158,000 | 200,000 |
| Net income | 105,000 | 193,000 | 283,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,381,000 | 4,470,000 | 4,560,000 | 4,638,000 |
| Total capital | 4,637,000 | 4,726,000 | 4,816,000 | 4,894,000 |
| Risk-weighted assets | 22,838,000 | 22,732,000 | 24,508,000 | 23,328,000 |