Call reports 2007
NORMANGEE STATE BANK — 2007
What NORMANGEE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 60,944,000 | 61,878,000 | 65,810,000 | 70,679,000 |
| Total loans | 22,835,000 | 23,231,000 | 24,130,000 | 24,004,000 |
| Allowance for loan losses | 201,000 | 201,000 | 200,000 | 223,000 |
| Securities available for sale | 23,034,000 | 24,077,000 | 27,311,000 | 30,447,000 |
| Securities held to maturity | 9,460,000 | 9,351,000 | 8,935,000 | 8,298,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,281,000 | 53,231,000 | 56,681,000 | 61,791,000 |
| Interest-bearing deposits | 38,882,000 | 39,362,000 | 41,756,000 | 45,172,000 |
| Noninterest-bearing deposits | 13,399,000 | 13,869,000 | 14,925,000 | 16,619,000 |
| Equity capital | 8,402,000 | 8,397,000 | 8,829,000 | 8,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 893,000 | 1,828,000 | 2,809,000 | 3,834,000 |
| Interest expense | 349,000 | 726,000 | 1,131,000 | 1,564,000 |
| Net interest income | 544,000 | 1,102,000 | 1,678,000 | 2,270,000 |
| Noninterest income | 96,000 | 185,000 | 268,000 | 341,000 |
| Noninterest expense | 311,000 | 676,000 | 1,012,000 | 1,744,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 329,000 | 611,000 | 934,000 | 807,000 |
| Income tax | 92,000 | 156,000 | 236,000 | 179,000 |
| Net income | 237,000 | 455,000 | 698,000 | 628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,539,000 | 8,757,000 | 9,000,000 | 8,562,000 |
| Total capital | 8,740,000 | 8,958,000 | 9,200,000 | 8,785,000 |
| Risk-weighted assets | 26,525,000 | 27,275,000 | 28,456,000 | 28,790,000 |