Call reports 2015
MURRAY BANK, THE — 2015
What MURRAY BANK, THE 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 | 269,692,000 | 264,038,000 | 262,945,000 | 281,043,000 |
| Total loans | 152,321,000 | 162,178,000 | 173,786,000 | 174,560,000 |
| Allowance for loan losses | 2,176,000 | 2,252,000 | 2,419,000 | 2,431,000 |
| Securities available for sale | 75,923,000 | 68,624,000 | 63,246,000 | 64,496,000 |
| Securities held to maturity | 1,735,000 | 1,607,000 | 1,486,000 | 1,376,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,254,000 | 236,746,000 | 235,284,000 | 253,945,000 |
| Interest-bearing deposits | 216,050,000 | 209,332,000 | 206,831,000 | 225,496,000 |
| Noninterest-bearing deposits | 26,204,000 | 27,414,000 | 28,453,000 | 28,449,000 |
| Equity capital | 24,685,000 | 24,194,000 | 25,051,000 | 25,065,000 |
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 | 2,239,000 | 4,541,000 | 6,925,000 | 9,354,000 |
| Interest expense | 427,000 | 852,000 | 1,281,000 | 1,724,000 |
| Net interest income | 1,812,000 | 3,689,000 | 5,644,000 | 7,630,000 |
| Noninterest income | 363,000 | 754,000 | 1,153,000 | 1,532,000 |
| Noninterest expense | 1,392,000 | 2,815,000 | 4,263,000 | 5,737,000 |
| Provision for loan losses | 40,000 | 132,000 | 312,000 | 348,000 |
| Pretax income | 807,000 | 1,596,000 | 2,342,000 | 3,197,000 |
| Income tax | 242,000 | 479,000 | 703,000 | 903,000 |
| Net income | 565,000 | 1,117,000 | 1,639,000 | 2,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,836,000 | 23,945,000 | 24,466,000 | 24,676,000 |
| Total capital | 25,802,000 | 26,039,000 | 26,626,000 | 26,908,000 |
| Risk-weighted assets | 157,125,000 | 167,370,000 | 172,575,000 | 178,360,000 |