Call reports 2011
MURRAY STATE BANK — 2011
What MURRAY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 45,049,000 | 46,162,000 | 48,687,000 | 47,444,000 |
| Total loans | 28,640,000 | 29,992,000 | 34,573,000 | 32,886,000 |
| Allowance for loan losses | 259,000 | 259,000 | 259,000 | 259,000 |
| Securities available for sale | 7,140,000 | 6,618,000 | 4,002,000 | 3,758,000 |
| Securities held to maturity | 1,229,000 | 1,228,000 | 1,333,000 | 1,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,299,000 | 35,770,000 | 37,561,000 | 35,994,000 |
| Interest-bearing deposits | 28,379,000 | 29,636,000 | 28,419,000 | 27,438,000 |
| Noninterest-bearing deposits | 5,920,000 | 6,134,000 | 9,142,000 | 8,556,000 |
| Equity capital | 7,082,000 | 7,223,000 | 7,353,000 | 7,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 481,000 | 983,000 | 1,514,000 | 2,042,000 |
| Interest expense | 108,000 | 213,000 | 312,000 | 407,000 |
| Net interest income | 373,000 | 770,000 | 1,202,000 | 1,635,000 |
| Noninterest income | 39,000 | 72,000 | 109,000 | 154,000 |
| Noninterest expense | 314,000 | 608,000 | 905,000 | 1,316,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 10,000 |
| Pretax income | 98,000 | 233,000 | 405,000 | 463,000 |
| Income tax | 38,000 | 75,000 | 114,000 | 168,000 |
| Net income | 60,000 | 158,000 | 291,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,103,000 | 7,201,000 | 7,333,000 | 7,337,000 |
| Total capital | 7,362,000 | 7,460,000 | 7,592,000 | 7,596,000 |
| Risk-weighted assets | 27,136,000 | 28,152,000 | 32,389,000 | 30,857,000 |