Call reports 2014
MURRAY STATE BANK — 2014
What MURRAY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 47,535,000 | 49,268,000 | 53,063,000 | 50,256,000 |
| Total loans | 26,349,000 | 27,284,000 | 30,815,000 | 30,391,000 |
| Allowance for loan losses | 259,000 | 259,000 | 259,000 | 259,000 |
| Securities available for sale | 9,659,000 | 10,130,000 | 9,619,000 | 8,429,000 |
| Securities held to maturity | 1,358,000 | 1,382,000 | 1,481,000 | 1,161,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,532,000 | 41,016,000 | 41,466,000 | 36,182,000 |
| Interest-bearing deposits | 30,669,000 | 31,717,000 | 31,169,000 | 26,599,000 |
| Noninterest-bearing deposits | 8,863,000 | 9,299,000 | 10,297,000 | 9,583,000 |
| Equity capital | 4,541,000 | 4,596,000 | 4,638,000 | 4,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 406,000 | 806,000 | 1,221,000 | 1,649,000 |
| Interest expense | 59,000 | 114,000 | 171,000 | 224,000 |
| Net interest income | 347,000 | 692,000 | 1,050,000 | 1,425,000 |
| Noninterest income | 46,000 | 82,000 | 131,000 | 170,000 |
| Noninterest expense | 305,000 | 598,000 | 915,000 | 1,237,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 88,000 | 176,000 | 266,000 | 358,000 |
| Income tax | 23,000 | 85,000 | 128,000 | 140,000 |
| Net income | 65,000 | 91,000 | 138,000 | 218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,592,000 | 4,618,000 | 4,665,000 | 4,745,000 |
| Total capital | 4,851,000 | 4,877,000 | 4,924,000 | 5,004,000 |
| Risk-weighted assets | 27,139,000 | 28,223,000 | 32,190,000 | 31,396,000 |