Call reports 2008
MURRAY STATE BANK — 2008
What MURRAY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 39,406,000 | 40,812,000 | 43,190,000 | 43,173,000 |
| Total loans | 30,056,000 | 30,073,000 | 33,251,000 | 31,136,000 |
| Allowance for loan losses | 259,000 | 259,000 | 259,000 | 259,000 |
| Securities available for sale | 2,372,000 | 2,328,000 | 2,136,000 | 2,689,000 |
| Securities held to maturity | 1,549,000 | 1,844,000 | 1,794,000 | 1,744,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,784,000 | 32,224,000 | 34,585,000 | 34,445,000 |
| Interest-bearing deposits | 25,602,000 | 27,438,000 | 28,796,000 | 28,485,000 |
| Noninterest-bearing deposits | 5,182,000 | 4,785,000 | 5,789,000 | 5,960,000 |
| Equity capital | 5,833,000 | 5,897,000 | 6,195,000 | 6,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 591,000 | 1,167,000 | 1,758,000 | 2,343,000 |
| Interest expense | 246,000 | 465,000 | 676,000 | 886,000 |
| Net interest income | 345,000 | 702,000 | 1,082,000 | 1,457,000 |
| Noninterest income | 37,000 | 67,000 | 102,000 | 147,000 |
| Noninterest expense | 257,000 | 497,000 | 752,000 | 1,018,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 125,000 | 272,000 | 432,000 | 579,000 |
| Income tax | 35,000 | 88,000 | 133,000 | 119,000 |
| Net income | 90,000 | 184,000 | 299,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,787,000 | 5,881,000 | 6,174,000 | 6,335,000 |
| Total capital | 6,046,000 | 6,140,000 | 6,433,000 | 6,594,000 |
| Risk-weighted assets | 27,655,000 | 28,120,000 | 30,976,000 | 29,101,000 |