The Murray Bank in Murray, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Murray Bank in Murray, Kentucky (KY)
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The Murray Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total 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
  • 47Total employees (full-time equivalent)
  • $235,705Total assets
  • $19,988Cash and due from depository institutions
  • $2,033Interest-bearing balances
  • $68,926Securities
  • $6,242Federal funds sold & reverse repurchase agreements
  • $130,797Net loans & leases
  • $1,467Loan loss allowance
  • $0Trading account assets
  • $3,646Bank premises and fixed assets
  • $710Other real estate owned
  • $97Goodwill and other intangibles
  • $235,705Life insurance assets
  • $5,299All other assets
  • $215,144Total liabilities and capital
  • $204,296Total liabilities
  • $187,068Total deposits
  • $204,296Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 3750.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $1,098Subordinated debt
  • $20,561All other liabilities
  • $20,561Total equity capital
  • $20,561Total bank equity capital
  • $0Perpetual preferred stock
  • $20Common stock
  • $10,402Surplus
  • $10,139Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,920Income earned, not collected on loans
  • $0Earning assets
  • $1,391Long-term assets (5+ years)
  • $207,998Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $229,285Volatile liabilities
  • $233,035Insider loans
  • $123,556FHLB advances
  • $233,242Loans and leases held for sale
  • $2,393Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,902Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,185Restructured Loans and leases
  • $6,580Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,443Total interest income
  • $2,775Total interest expense
  • $6,668Net interest income
  • $712Provision for loan and lease losses
  • $1,467Total noninterest income
  • $0Fiduciary activities
  • $172Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,295Additional noninterest income
  • $4,907Total noninterest expense
  • $2,486Salaries and employee benefits
  • $813Premises and equipment expense
  • $1,608Additional noninterest expense
  • $2,516Pre-tax net operating income
  • $0Securities gains (losses)
  • $687Applicable income taxes
  • $1,829Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,829Net income attributable to bank
  • $0Net charge-offs
  • $1,829Cash dividends
  • $476Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 1.33%Cost of funding earning assets
  • 3.19%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 2.35%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.10%Pretax return on assets
  • 9.56%Return on equity (ROE)
  • 9.56%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 149.58%Credit loss provision to net charge-offs
  • 6.78%Efficiency ratio
  • 59,963Assets per employee
  • 5.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 76.41%Noncurrent assets plus other real estate owned to assets
  • 1.12%Noncurrent loans to loans
  • 1.45%Net loans and leases to deposits
  • 64.02%Net loans and leases to core deposits
  • 67.80%Equity capital to assets
  • 8.72%Core capital (leverage) ratio
  • 8.10%Tier 1 risk-based capital ratio
  • 15.30%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $229,285Average earning assets
  • $19,129Average equity
  • $209,222Average loans

List of branches

  • 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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