Call reports 2005
NORMANGEE STATE BANK — 2005
What NORMANGEE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 52,334,000 | 51,091,000 | 52,992,000 | 52,063,000 |
| Total loans | 21,306,000 | 21,338,000 | 21,805,000 | 22,824,000 |
| Allowance for loan losses | 170,000 | 168,000 | 161,000 | 186,000 |
| Securities available for sale | 14,476,000 | 14,765,000 | 14,701,000 | 15,027,000 |
| Securities held to maturity | 11,682,000 | 11,475,000 | 11,036,000 | 10,623,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,325,000 | 42,811,000 | 44,440,000 | 44,155,000 |
| Interest-bearing deposits | 32,623,000 | 30,840,000 | 31,314,000 | 31,192,000 |
| Noninterest-bearing deposits | 11,702,000 | 11,971,000 | 13,126,000 | 12,963,000 |
| Equity capital | 7,861,000 | 8,109,000 | 8,336,000 | 7,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 641,000 | 1,293,000 | 1,980,000 | 2,691,000 |
| Interest expense | 118,000 | 264,000 | 431,000 | 628,000 |
| Net interest income | 523,000 | 1,029,000 | 1,549,000 | 2,063,000 |
| Noninterest income | 79,000 | 157,000 | 248,000 | 339,000 |
| Noninterest expense | 263,000 | 578,000 | 879,000 | 1,554,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 339,000 | 608,000 | 918,000 | 788,000 |
| Income tax | 87,000 | 151,000 | 220,000 | 148,000 |
| Net income | 252,000 | 457,000 | 698,000 | 640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,037,000 | 8,242,000 | 8,484,000 | 8,057,000 |
| Total capital | 8,207,000 | 8,410,000 | 8,645,000 | 8,243,000 |
| Risk-weighted assets | 25,274,000 | 24,992,000 | 25,732,000 | 26,441,000 |