Call reports 2016
MURRAY STATE BANK — 2016
What MURRAY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 48,413,000 | 49,263,000 | 52,380,000 | 47,891,000 |
| Total loans | 30,025,000 | 28,667,000 | 30,848,000 | 29,317,000 |
| Allowance for loan losses | 259,000 | 259,000 | 259,000 | 259,000 |
| Securities available for sale | 7,257,000 | 7,612,000 | 8,341,000 | 7,970,000 |
| Securities held to maturity | 1,192,000 | 1,526,000 | 1,526,000 | 1,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,327,000 | 39,842,000 | 42,939,000 | 38,324,000 |
| Interest-bearing deposits | 27,493,000 | 30,955,000 | 31,342,000 | 27,871,000 |
| Noninterest-bearing deposits | 8,834,000 | 8,887,000 | 11,597,000 | 10,453,000 |
| Equity capital | 5,059,000 | 5,147,000 | 5,187,000 | 5,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 416,000 | 809,000 | 1,202,000 | 1,603,000 |
| Interest expense | 50,000 | 102,000 | 150,000 | 199,000 |
| Net interest income | 366,000 | 707,000 | 1,052,000 | 1,404,000 |
| Noninterest income | 46,000 | 92,000 | 144,000 | 178,000 |
| Noninterest expense | 322,000 | 627,000 | 954,000 | 1,319,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 90,000 | 172,000 | 242,000 | 263,000 |
| Income tax | 31,000 | 49,000 | 69,000 | 86,000 |
| Net income | 59,000 | 123,000 | 173,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,031,000 | 5,095,000 | 5,145,000 | 5,149,000 |
| Total capital | 5,290,000 | 5,354,000 | 5,404,000 | 5,408,000 |
| Risk-weighted assets | 31,531,000 | 31,024,000 | 34,014,000 | 32,043,000 |