Call reports 2012
MURRAY STATE BANK — 2012
What MURRAY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 45,286,000 | 47,747,000 | 52,231,000 | 49,826,000 |
| Total loans | 29,375,000 | 29,177,000 | 31,933,000 | 31,281,000 |
| Allowance for loan losses | 259,000 | 259,000 | 259,000 | 259,000 |
| Securities available for sale | 4,434,000 | 6,345,000 | 6,903,000 | 6,627,000 |
| Securities held to maturity | 1,719,000 | 2,219,000 | 1,718,000 | 1,238,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,921,000 | 36,719,000 | 41,202,000 | 38,226,000 |
| Interest-bearing deposits | 27,783,000 | 28,934,000 | 29,083,000 | 28,352,000 |
| Noninterest-bearing deposits | 7,138,000 | 7,785,000 | 12,120,000 | 9,874,000 |
| Equity capital | 7,400,000 | 7,511,000 | 7,599,000 | 4,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 482,000 | 958,000 | 1,430,000 | 1,914,000 |
| Interest expense | 81,000 | 161,000 | 243,000 | 326,000 |
| Net interest income | 401,000 | 797,000 | 1,187,000 | 1,588,000 |
| Noninterest income | 45,000 | 104,000 | 141,000 | 193,000 |
| Noninterest expense | 351,000 | 663,000 | 976,000 | 1,322,000 |
| Provision for loan losses | 0 | 8,000 | 8,000 | 8,000 |
| Pretax income | 95,000 | 230,000 | 344,000 | 451,000 |
| Income tax | 37,000 | 70,000 | 104,000 | 137,000 |
| Net income | 58,000 | 160,000 | 240,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,396,000 | 7,497,000 | 7,577,000 | 4,651,000 |
| Total capital | 7,655,000 | 7,756,000 | 7,836,000 | 4,910,000 |
| Risk-weighted assets | 28,250,000 | 28,695,000 | 31,733,000 | 30,608,000 |