Call reports 2006
NORMANGEE STATE BANK — 2006
What NORMANGEE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 54,184,000 | 57,142,000 | 60,792,000 | 60,578,000 |
| Total loans | 22,064,000 | 22,121,000 | 21,422,000 | 22,301,000 |
| Allowance for loan losses | 192,000 | 181,000 | 172,000 | 200,000 |
| Securities available for sale | 15,852,000 | 17,290,000 | 19,286,000 | 21,625,000 |
| Securities held to maturity | 10,625,000 | 10,482,000 | 9,918,000 | 9,757,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,040,000 | 48,916,000 | 52,011,000 | 52,316,000 |
| Interest-bearing deposits | 32,708,000 | 34,658,000 | 36,848,000 | 37,544,000 |
| Noninterest-bearing deposits | 13,332,000 | 14,258,000 | 15,163,000 | 14,772,000 |
| Equity capital | 7,962,000 | 8,069,000 | 8,518,000 | 8,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 733,000 | 1,517,000 | 2,389,000 | 3,292,000 |
| Interest expense | 223,000 | 483,000 | 788,000 | 1,122,000 |
| Net interest income | 510,000 | 1,034,000 | 1,601,000 | 2,170,000 |
| Noninterest income | 77,000 | 170,000 | 258,000 | 358,000 |
| Noninterest expense | 288,000 | 625,000 | 920,000 | 1,713,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 299,000 | 579,000 | 939,000 | 765,000 |
| Income tax | 72,000 | 142,000 | 227,000 | 152,000 |
| Net income | 227,000 | 437,000 | 712,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,284,000 | 8,494,000 | 8,769,000 | 8,302,000 |
| Total capital | 8,476,000 | 8,675,000 | 8,941,000 | 8,502,000 |
| Risk-weighted assets | 26,457,000 | 26,901,000 | 27,000,000 | 27,916,000 |