Call reports 2009
MURRAY STATE BANK — 2009
What MURRAY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 43,226,000 | 44,012,000 | 44,673,000 | 43,679,000 |
| Total loans | 29,684,000 | 28,863,000 | 30,426,000 | 29,115,000 |
| Allowance for loan losses | 259,000 | 259,000 | 259,000 | 259,000 |
| Securities available for sale | 3,188,000 | 4,228,000 | 4,183,000 | 6,764,000 |
| Securities held to maturity | 1,764,000 | 1,554,000 | 1,684,000 | 1,336,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,475,000 | 35,282,000 | 35,922,000 | 33,023,000 |
| Interest-bearing deposits | 28,989,000 | 29,421,000 | 30,187,000 | 26,994,000 |
| Noninterest-bearing deposits | 5,485,000 | 5,861,000 | 5,735,000 | 6,029,000 |
| Equity capital | 6,452,000 | 6,519,000 | 6,609,000 | 6,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 556,000 | 1,110,000 | 1,671,000 | 2,223,000 |
| Interest expense | 201,000 | 391,000 | 558,000 | 704,000 |
| Net interest income | 355,000 | 719,000 | 1,113,000 | 1,519,000 |
| Noninterest income | 27,000 | 57,000 | 98,000 | 137,000 |
| Noninterest expense | 260,000 | 553,000 | 849,000 | 1,149,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 122,000 | 223,000 | 362,000 | 507,000 |
| Income tax | 44,000 | 74,000 | 121,000 | 153,000 |
| Net income | 78,000 | 149,000 | 241,000 | 354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,412,000 | 6,484,000 | 6,575,000 | 6,689,000 |
| Total capital | 6,671,000 | 6,743,000 | 6,834,000 | 6,948,000 |
| Risk-weighted assets | 27,918,000 | 27,670,000 | 29,000,000 | 27,847,000 |