Call reports 2009
NORMANGEE STATE BANK — 2009
What NORMANGEE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 75,024,000 | 75,797,000 | 77,588,000 | 80,071,000 |
| Total loans | 25,546,000 | 25,946,000 | 29,508,000 | 31,033,000 |
| Allowance for loan losses | 286,000 | 272,000 | 269,000 | 375,000 |
| Securities available for sale | 35,535,000 | 36,163,000 | 36,243,000 | 35,694,000 |
| Securities held to maturity | 7,652,000 | 7,629,000 | 8,208,000 | 8,936,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,987,000 | 65,707,000 | 66,662,000 | 69,789,000 |
| Interest-bearing deposits | 50,191,000 | 50,793,000 | 51,988,000 | 55,128,000 |
| Noninterest-bearing deposits | 14,796,000 | 14,914,000 | 14,674,000 | 14,661,000 |
| Equity capital | 9,315,000 | 9,461,000 | 10,084,000 | 9,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 977,000 | 1,961,000 | 2,963,000 | 4,008,000 |
| Interest expense | 314,000 | 615,000 | 884,000 | 1,128,000 |
| Net interest income | 663,000 | 1,346,000 | 2,079,000 | 2,880,000 |
| Noninterest income | 93,000 | 185,000 | 288,000 | 391,000 |
| Noninterest expense | 343,000 | 777,000 | 1,152,000 | 1,941,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 413,000 | 754,000 | 1,222,000 | 1,187,000 |
| Income tax | 112,000 | 197,000 | 330,000 | 291,000 |
| Net income | 301,000 | 557,000 | 892,000 | 896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,502,000 | 8,758,000 | 9,093,000 | 8,729,000 |
| Total capital | 8,788,000 | 9,030,000 | 9,362,000 | 9,104,000 |
| Risk-weighted assets | 30,059,000 | 30,251,000 | 32,442,000 | 34,148,000 |