Call reports 2004
NORMANGEE STATE BANK — 2004
What NORMANGEE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,029,000 | 51,009,000 | 52,179,000 | 51,887,000 |
| Total loans | 16,889,000 | 18,161,000 | 19,814,000 | 20,469,000 |
| Allowance for loan losses | 188,000 | 186,000 | 181,000 | 177,000 |
| Securities available for sale | 14,404,000 | 12,598,000 | 13,106,000 | 13,881,000 |
| Securities held to maturity | 15,264,000 | 14,212,000 | 13,285,000 | 12,677,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,108,000 | 43,132,000 | 43,873,000 | 44,046,000 |
| Interest-bearing deposits | 33,511,000 | 32,959,000 | 32,664,000 | 31,950,000 |
| Noninterest-bearing deposits | 9,597,000 | 10,173,000 | 11,209,000 | 12,096,000 |
| Equity capital | 7,717,000 | 7,776,000 | 8,102,000 | 7,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 609,000 | 1,185,000 | 1,787,000 | 2,425,000 |
| Interest expense | 115,000 | 226,000 | 333,000 | 441,000 |
| Net interest income | 494,000 | 959,000 | 1,454,000 | 1,984,000 |
| Noninterest income | 66,000 | 133,000 | 210,000 | 290,000 |
| Noninterest expense | 283,000 | 564,000 | 850,000 | 1,467,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 277,000 | 528,000 | 814,000 | 807,000 |
| Income tax | 58,000 | 105,000 | 172,000 | 138,000 |
| Net income | 219,000 | 423,000 | 642,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,717,000 | 7,909,000 | 8,128,000 | 7,787,000 |
| Total capital | 7,905,000 | 8,095,000 | 8,309,000 | 7,964,000 |
| Risk-weighted assets | 22,427,000 | 23,398,000 | 24,386,000 | 24,707,000 |