Call reports 2010
MURRAY STATE BANK — 2010
What MURRAY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 41,836,000 | 43,214,000 | 44,440,000 | 43,953,000 |
| Total loans | 28,217,000 | 30,466,000 | 32,638,000 | 30,197,000 |
| Allowance for loan losses | 259,000 | 259,000 | 259,000 | 259,000 |
| Securities available for sale | 5,907,000 | 4,830,000 | 3,952,000 | 5,449,000 |
| Securities held to maturity | 1,331,000 | 1,893,000 | 1,131,000 | 1,229,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,454,000 | 33,974,000 | 34,644,000 | 33,793,000 |
| Interest-bearing deposits | 27,490,000 | 27,927,000 | 28,101,000 | 27,767,000 |
| Noninterest-bearing deposits | 4,964,000 | 6,047,000 | 6,542,000 | 6,026,000 |
| Equity capital | 6,775,000 | 6,876,000 | 6,979,000 | 7,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 514,000 | 1,038,000 | 1,587,000 | 2,115,000 |
| Interest expense | 128,000 | 255,000 | 372,000 | 488,000 |
| Net interest income | 386,000 | 783,000 | 1,215,000 | 1,627,000 |
| Noninterest income | 32,000 | 63,000 | 95,000 | 135,000 |
| Noninterest expense | 301,000 | 605,000 | 920,000 | 1,258,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 117,000 | 241,000 | 390,000 | 504,000 |
| Income tax | 36,000 | 72,000 | 119,000 | 150,000 |
| Net income | 81,000 | 169,000 | 271,000 | 354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,770,000 | 6,858,000 | 6,959,000 | 7,043,000 |
| Total capital | 7,029,000 | 7,117,000 | 7,218,000 | 7,302,000 |
| Risk-weighted assets | 27,397,000 | 28,095,000 | 30,181,000 | 28,134,000 |