Call reports 2015
MURRAY STATE BANK — 2015
What MURRAY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 45,775,000 | 45,559,000 | 50,332,000 | 48,020,000 |
| Total loans | 29,091,000 | 28,406,000 | 31,550,000 | 29,200,000 |
| Allowance for loan losses | 259,000 | 259,000 | 259,000 | 259,000 |
| Securities available for sale | 6,486,000 | 5,782,000 | 8,021,000 | 7,766,000 |
| Securities held to maturity | 900,000 | 820,000 | 1,029,000 | 1,327,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,660,000 | 36,895,000 | 39,553,000 | 36,163,000 |
| Interest-bearing deposits | 26,702,000 | 28,183,000 | 27,814,000 | 26,789,000 |
| Noninterest-bearing deposits | 8,958,000 | 8,713,000 | 11,739,000 | 9,374,000 |
| Equity capital | 4,845,000 | 4,916,000 | 5,000,000 | 4,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 410,000 | 799,000 | 1,213,000 | 1,629,000 |
| Interest expense | 53,000 | 103,000 | 151,000 | 198,000 |
| Net interest income | 357,000 | 696,000 | 1,062,000 | 1,431,000 |
| Noninterest income | 42,000 | 90,000 | 131,000 | 175,000 |
| Noninterest expense | 299,000 | 596,000 | 898,000 | 1,240,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 100,000 | 195,000 | 300,000 | 371,000 |
| Income tax | 23,000 | 48,000 | 73,000 | 144,000 |
| Net income | 77,000 | 147,000 | 227,000 | 227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,799,000 | 4,893,000 | 4,972,000 | 4,972,000 |
| Total capital | 5,058,000 | 5,152,000 | 5,231,000 | 5,231,000 |
| Risk-weighted assets | 29,008,000 | 29,376,000 | 32,978,000 | 30,807,000 |