Call reports 2013
MURRAY STATE BANK — 2013
What MURRAY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 46,884,000 | 48,278,000 | 50,592,000 | 47,595,000 |
| Total loans | 28,764,000 | 29,689,000 | 31,960,000 | 29,796,000 |
| Allowance for loan losses | 259,000 | 259,000 | 259,000 | 259,000 |
| Securities available for sale | 6,980,000 | 7,238,000 | 7,508,000 | 7,172,000 |
| Securities held to maturity | 1,308,000 | 1,058,000 | 1,057,000 | 1,132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,665,000 | 39,779,000 | 41,500,000 | 38,217,000 |
| Interest-bearing deposits | 30,408,000 | 31,084,000 | 31,846,000 | 29,920,000 |
| Noninterest-bearing deposits | 8,256,000 | 8,695,000 | 9,653,000 | 8,297,000 |
| Equity capital | 4,704,000 | 4,691,000 | 4,768,000 | 4,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 433,000 | 867,000 | 1,290,000 | 1,738,000 |
| Interest expense | 75,000 | 147,000 | 214,000 | 275,000 |
| Net interest income | 358,000 | 720,000 | 1,076,000 | 1,463,000 |
| Noninterest income | 37,000 | 90,000 | 141,000 | -417,000 |
| Noninterest expense | 326,000 | 629,000 | 946,000 | 1,294,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 69,000 | 181,000 | 271,000 | -248,000 |
| Income tax | 36,000 | 72,000 | 109,000 | -124,000 |
| Net income | 33,000 | 109,000 | 162,000 | -124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,685,000 | 4,760,000 | 4,813,000 | 4,527,000 |
| Total capital | 4,944,000 | 5,019,000 | 5,072,000 | 4,786,000 |
| Risk-weighted assets | 28,205,000 | 29,030,000 | 31,428,000 | 29,790,000 |