Call reports 2013
MURRAY BANK, THE — 2013
What MURRAY BANK, THE 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 | 248,068,000 | 242,858,000 | 249,097,000 | 248,789,000 |
| Total loans | 131,007,000 | 138,420,000 | 148,067,000 | 148,567,000 |
| Allowance for loan losses | 1,752,000 | 1,827,000 | 1,952,000 | 2,073,000 |
| Securities available for sale | 81,592,000 | 80,286,000 | 76,776,000 | 69,316,000 |
| Securities held to maturity | 1,704,000 | 1,495,000 | 1,314,000 | 1,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,085,000 | 215,602,000 | 216,741,000 | 223,460,000 |
| Interest-bearing deposits | 196,416,000 | 195,767,000 | 197,052,000 | 203,378,000 |
| Noninterest-bearing deposits | 21,669,000 | 19,835,000 | 19,689,000 | 20,082,000 |
| Equity capital | 22,436,000 | 21,230,000 | 21,029,000 | 21,044,000 |
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 | 2,151,000 | 4,323,000 | 6,651,000 | 8,965,000 |
| Interest expense | 504,000 | 997,000 | 1,473,000 | 1,939,000 |
| Net interest income | 1,647,000 | 3,326,000 | 5,178,000 | 7,026,000 |
| Noninterest income | 334,000 | 673,000 | 1,035,000 | 1,396,000 |
| Noninterest expense | 1,226,000 | 2,471,000 | 3,795,000 | 5,145,000 |
| Provision for loan losses | 20,000 | 100,000 | 222,000 | 352,000 |
| Pretax income | 735,000 | 1,428,000 | 2,196,000 | 2,946,000 |
| Income tax | 235,000 | 457,000 | 703,000 | 807,000 |
| Net income | 500,000 | 971,000 | 1,493,000 | 2,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,912,000 | 20,939,000 | 21,461,000 | 21,810,000 |
| Total capital | 22,638,000 | 22,702,000 | 23,315,000 | 23,680,000 |
| Risk-weighted assets | 138,044,000 | 140,961,000 | 148,208,000 | 149,429,000 |