Call reports 2003
NORMANGEE STATE BANK — 2003
What NORMANGEE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 50,044,000 | 50,879,000 | 53,075,000 | 50,500,000 |
| Total loans | 16,518,000 | 16,287,000 | 16,392,000 | 16,219,000 |
| Allowance for loan losses | 161,000 | 161,000 | 154,000 | 187,000 |
| Securities available for sale | 7,238,000 | 8,546,000 | 11,483,000 | 13,000,000 |
| Securities held to maturity | 19,806,000 | 18,367,000 | 16,731,000 | 15,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,568,000 | 42,176,000 | 44,206,000 | 42,912,000 |
| Interest-bearing deposits | 32,873,000 | 33,444,000 | 34,059,000 | 33,354,000 |
| Noninterest-bearing deposits | 8,695,000 | 8,732,000 | 10,147,000 | 9,558,000 |
| Equity capital | 8,233,000 | 8,472,000 | 8,633,000 | 7,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 614,000 | 1,209,000 | 1,788,000 | 2,377,000 |
| Interest expense | 162,000 | 313,000 | 446,000 | 569,000 |
| Net interest income | 452,000 | 896,000 | 1,342,000 | 1,808,000 |
| Noninterest income | 64,000 | 124,000 | 210,000 | 277,000 |
| Noninterest expense | 218,000 | 436,000 | 706,000 | 1,337,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 298,000 | 595,000 | 857,000 | 719,000 |
| Income tax | 54,000 | 115,000 | 169,000 | 90,000 |
| Net income | 244,000 | 480,000 | 688,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,233,000 | 8,472,000 | 8,700,000 | 7,498,000 |
| Total capital | 8,394,000 | 8,633,000 | 8,854,000 | 7,685,000 |
| Risk-weighted assets | 22,104,000 | 22,157,000 | 22,410,000 | 21,703,000 |