Call reports 2007
MURRAY STATE BANK — 2007
What MURRAY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 36,416,000 | 39,032,000 | 40,207,000 | 38,876,000 |
| Total loans | 30,170,000 | 31,156,000 | 32,269,000 | 31,672,000 |
| Allowance for loan losses | 258,000 | 258,000 | 258,000 | 259,000 |
| Securities available for sale | 2,664,000 | 2,448,000 | 2,484,000 | 2,512,000 |
| Securities held to maturity | 1,859,000 | 1,859,000 | 1,809,000 | 1,749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,011,000 | 30,557,000 | 31,654,000 | 30,278,000 |
| Interest-bearing deposits | 24,353,000 | 26,606,000 | 26,968,000 | 25,382,000 |
| Noninterest-bearing deposits | 3,658,000 | 3,951,000 | 4,686,000 | 4,896,000 |
| Equity capital | 5,426,000 | 5,510,000 | 5,643,000 | 5,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 567,000 | 1,164,000 | 1,785,000 | 2,404,000 |
| Interest expense | 235,000 | 482,000 | 743,000 | 1,002,000 |
| Net interest income | 332,000 | 682,000 | 1,042,000 | 1,402,000 |
| Noninterest income | 46,000 | 80,000 | 121,000 | 172,000 |
| Noninterest expense | 255,000 | 491,000 | 736,000 | 995,000 |
| Provision for loan losses | 0 | 0 | 0 | 26,000 |
| Pretax income | 123,000 | 271,000 | 427,000 | 553,000 |
| Income tax | 32,000 | 82,000 | 126,000 | 189,000 |
| Net income | 91,000 | 189,000 | 301,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,427,000 | 5,521,000 | 5,634,000 | 5,697,000 |
| Total capital | 5,685,000 | 5,779,000 | 5,892,000 | 5,956,000 |
| Risk-weighted assets | 27,394,000 | 28,639,000 | 29,936,000 | 28,919,000 |