Call reports 2008
NORMANGEE STATE BANK — 2008
What NORMANGEE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 70,158,000 | 70,378,000 | 71,440,000 | 72,016,000 |
| Total loans | 24,583,000 | 24,288,000 | 25,451,000 | 24,788,000 |
| Allowance for loan losses | 222,000 | 220,000 | 222,000 | 307,000 |
| Securities available for sale | 31,598,000 | 32,446,000 | 33,289,000 | 34,990,000 |
| Securities held to maturity | 8,103,000 | 8,250,000 | 8,110,000 | 8,075,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,341,000 | 61,248,000 | 61,297,000 | 62,545,000 |
| Interest-bearing deposits | 47,622,000 | 46,772,000 | 46,342,000 | 47,738,000 |
| Noninterest-bearing deposits | 12,719,000 | 14,476,000 | 14,955,000 | 14,807,000 |
| Equity capital | 9,251,000 | 8,867,000 | 9,625,000 | 8,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,050,000 | 2,055,000 | 3,070,000 | 4,060,000 |
| Interest expense | 438,000 | 839,000 | 1,212,000 | 1,561,000 |
| Net interest income | 612,000 | 1,216,000 | 1,858,000 | 2,499,000 |
| Noninterest income | 115,000 | 221,000 | 337,000 | 435,000 |
| Noninterest expense | 319,000 | 688,000 | 1,018,000 | 1,774,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 408,000 | 749,000 | 1,177,000 | 1,010,000 |
| Income tax | 109,000 | 202,000 | 323,000 | 252,000 |
| Net income | 299,000 | 547,000 | 854,000 | 758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,861,000 | 9,109,000 | 9,417,000 | 8,200,000 |
| Total capital | 9,083,000 | 9,329,000 | 9,639,000 | 8,507,000 |
| Risk-weighted assets | 29,114,000 | 29,184,000 | 29,341,000 | 29,071,000 |