Call reports 2006
MURRAY STATE BANK — 2006
What MURRAY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 35,133,000 | 36,269,000 | 37,811,000 | 37,040,000 |
| Total loans | 27,845,000 | 28,346,000 | 30,961,000 | 30,715,000 |
| Allowance for loan losses | 258,000 | 258,000 | 258,000 | 258,000 |
| Securities available for sale | 3,244,000 | 2,543,000 | 3,433,000 | 3,050,000 |
| Securities held to maturity | 1,909,000 | 1,909,000 | 1,909,000 | 1,859,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,021,000 | 28,061,000 | 29,492,000 | 28,036,000 |
| Interest-bearing deposits | 22,603,000 | 24,111,000 | 25,350,000 | 23,975,000 |
| Noninterest-bearing deposits | 4,417,000 | 3,950,000 | 4,142,000 | 4,060,000 |
| Equity capital | 4,995,000 | 5,112,000 | 5,239,000 | 5,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 503,000 | 1,020,000 | 1,586,000 | 2,173,000 |
| Interest expense | 175,000 | 365,000 | 568,000 | 784,000 |
| Net interest income | 328,000 | 655,000 | 1,018,000 | 1,389,000 |
| Noninterest income | 23,000 | 59,000 | 95,000 | 125,000 |
| Noninterest expense | 251,000 | 450,000 | 675,000 | 945,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 100,000 | 264,000 | 438,000 | 569,000 |
| Income tax | 36,000 | 84,000 | 148,000 | 198,000 |
| Net income | 64,000 | 180,000 | 290,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,964,000 | 5,082,000 | 5,252,000 | 5,324,000 |
| Total capital | 5,222,000 | 5,340,000 | 5,510,000 | 5,582,000 |
| Risk-weighted assets | 25,706,000 | 26,503,000 | 28,670,000 | 28,248,000 |