Call reports 2016
MURRAY BANK, THE — 2016
What MURRAY BANK, THE 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 | 287,328,000 | 282,702,000 | 286,490,000 | 294,650,000 |
| Total loans | 173,816,000 | 178,092,000 | 183,967,000 | 189,667,000 |
| Allowance for loan losses | 2,451,000 | 2,506,000 | 2,478,000 | 2,622,000 |
| Securities available for sale | 67,640,000 | 69,167,000 | 60,830,000 | 61,544,000 |
| Securities held to maturity | 1,284,000 | 1,188,000 | 1,081,000 | 984,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,943,000 | 253,975,000 | 256,915,000 | 264,458,000 |
| Interest-bearing deposits | 227,840,000 | 225,523,000 | 228,139,000 | 234,453,000 |
| Noninterest-bearing deposits | 31,103,000 | 28,452,000 | 28,776,000 | 30,005,000 |
| Equity capital | 25,948,000 | 26,425,000 | 26,837,000 | 26,170,000 |
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 | 2,410,000 | 4,884,000 | 7,377,000 | 10,001,000 |
| Interest expense | 451,000 | 913,000 | 1,380,000 | 1,861,000 |
| Net interest income | 1,959,000 | 3,971,000 | 5,997,000 | 8,140,000 |
| Noninterest income | 359,000 | 749,000 | 1,150,000 | 1,531,000 |
| Noninterest expense | 1,451,000 | 2,919,000 | 4,401,000 | 5,933,000 |
| Provision for loan losses | 20,000 | 108,000 | 248,000 | 392,000 |
| Pretax income | 853,000 | 1,699,000 | 2,504,000 | 3,352,000 |
| Income tax | 253,000 | 507,000 | 748,000 | 922,000 |
| Net income | 600,000 | 1,192,000 | 1,756,000 | 2,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,276,000 | 25,424,000 | 25,987,000 | 26,217,000 |
| Total capital | 27,525,000 | 27,688,000 | 28,330,000 | 28,640,000 |
| Risk-weighted assets | 179,741,000 | 180,892,000 | 187,345,000 | 193,660,000 |