The Murray Bank in Murray, Kentucky (KY)



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The Murray Bank
GeneralFDIC Certificate #: 35161
Status: Active
Federal Reserve ID: 2819242
Date Established: June 15, 1999
WWW: http://www.themurraybank.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 15834
FDIC's unique #: 75632
Numeric code: 33
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: June 15, 1999
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
LocationAddress: 405 South 12th Street, Murray, KY 42071
County: Calloway
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Hopkinsville
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Murray, KY (#34660)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Primary Regulatory Agency
Financial SummaryTotal assets: $235.7 mil
Equity capital: $20.6 mil
Deposits held in domestic offices: $204.3 mil
Return on assets (ROA): 0.80% ($1.9 mil)
Quarterly return on assets: 0.98% ($2.3 mil)
Return on Equity (ROE): 9.56% ($2.0 mil)
Quarterly return on equity: 11.26% ($2.4 mil)
Net income: $1.8 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.10% ($2,592.8 mil)
Quarterly Pretax return on assets: 1.15% ($2,710.6 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)47
Total assets$235,705
Cash and due from depository institutions$19,988
Interest-bearing balances$2,033
Securities$68,926
Federal funds sold & reverse repurchase agreements$6,242
Net loans & leases$130,797
Loan loss allowance $1,467
Trading account assets$0
Bank premises and fixed assets$3,646
Other real estate owned$710
Goodwill and other intangibles$97
All other assets$5,299
Life insurance assets$235,705
Total liabilities and capital$215,144
Total liabilities$204,296
Total deposits$187,068
Interest-bearing deposits$204,296
Deposits held in domestic offices$87
% insured (estimated)3750.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,000
Other borrowed funds $0
Subordinated debt $1,098
All other liabilities $20,561
Total equity capital$20,561
Total bank equity capital$20,561
Perpetual preferred stock$0
Common stock$20
Surplus$10,402
Undivided profits $10,139
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,920
Earning assets $0
Long-term assets (5+ years) $1,391
Average Assets, year-to-date $207,998
Average Assets, quarterly $0
Volatile liabilities $229,285
Insider loans $233,035
FHLB advances $123,556
Loans and leases held for sale $233,242
Unused loan commitments $2,393
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $18,902
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $16,185
Derivatives$6,580
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,443
Total interest expense $2,775
Net interest income $6,668
Provision for loan and lease losses $712
Total noninterest income $1,467
Fiduciary activities $0
Service charges on deposit accounts $172
Trading account gains & fees $0
Additional noninterest income $1,295
Total noninterest expense $4,907
Salaries and employee benefits $2,486
Premises and equipment expense $813
Additional noninterest expense $1,608
Pre-tax net operating income $2,516
Securities gains (losses) $0
Applicable income taxes $687
Income before extraordinary items $1,829
Extraordinary gains - net $0
Net income attributable to bank $1,829
Net charge-offs $0
Cash dividends $1,829
Sale, conversion, retirement of capital stock, net $476
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.51%
Cost of funding earning assets 1.33%
Net interest margin 3.19%
Noninterest income to earning assets 0.70%
Noninterest expense to earning assets 2.35%
Net operating income to assets 0.80%
Return on assets (ROA) 0.80%
Pretax return on assets 1.10%
Return on equity (ROE) 9.56%
Retained earnings to average equity (YTD only) 9.56%
Net charge-offs to loans 0.36%
Credit loss provision to net charge-offs 149.58%
Efficiency ratio6.78%
Assets per employee$59,963
Cash dividends to net income (YTD only)5.01%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.11%
Noncurrent assets plus other real estate owned to assets 76.41%
Noncurrent loans to loans 1.12%
Net loans and leases to deposits1.45%
Net loans and leases to core deposits 64.02%
Equity capital to assets 67.80%
Core capital (leverage) ratio 8.72%
Tier 1 risk-based capital ratio 8.10%
Total risk-based capital ratio 15.30%
Memoranda
Average assets$16
Average earning assets$229,285
Average equity $19,129
Average loans $209,222
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2 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
075632The Murray Bank405 South 12th Street, Murray, KY 42071June 15, 1999Full Service Brick and Mortar
1365490700 B North 12th Street Branch700 B North 12th Street, Murray, KY 42071October 15, 2002Full Service Brick and Mortar
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