Call reports 2005
MURRAY STATE BANK — 2005
What MURRAY STATE BANK 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 | 34,947,000 | 36,857,000 | 36,701,000 | 37,279,000 |
| Total loans | 26,900,000 | 27,408,000 | 29,324,000 | 27,357,000 |
| Allowance for loan losses | 256,000 | 256,000 | 258,000 | 258,000 |
| Securities available for sale | 4,285,000 | 3,905,000 | 3,648,000 | 3,239,000 |
| Securities held to maturity | 2,089,000 | 2,039,000 | 2,039,000 | 1,909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,972,000 | 29,115,000 | 28,746,000 | 29,177,000 |
| Interest-bearing deposits | 23,035,000 | 24,203,000 | 24,703,000 | 23,860,000 |
| Noninterest-bearing deposits | 3,937,000 | 4,912,000 | 4,043,000 | 5,317,000 |
| Equity capital | 4,671,000 | 4,769,000 | 4,862,000 | 4,928,000 |
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 | 471,000 | 946,000 | 1,455,000 | 1,973,000 |
| Interest expense | 135,000 | 280,000 | 442,000 | 612,000 |
| Net interest income | 336,000 | 666,000 | 1,013,000 | 1,361,000 |
| Noninterest income | 26,000 | 55,000 | 103,000 | 136,000 |
| Noninterest expense | 255,000 | 466,000 | 721,000 | 985,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 107,000 | 255,000 | 395,000 | 512,000 |
| Income tax | 35,000 | 98,000 | 142,000 | 187,000 |
| Net income | 72,000 | 157,000 | 253,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,710,000 | 4,794,000 | 4,834,000 | 4,894,000 |
| Total capital | 4,966,000 | 5,050,000 | 5,092,000 | 5,152,000 |
| Risk-weighted assets | 24,104,000 | 24,861,000 | 27,247,000 | 25,810,000 |