Call reports 2013
NORMANGEE STATE BANK — 2013
What NORMANGEE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 101,607,000 | 100,913,000 | 100,096,000 | 97,708,000 |
| Total loans | 50,319,000 | 52,921,000 | 55,778,000 | 56,172,000 |
| Allowance for loan losses | 575,000 | 471,000 | 415,000 | 602,000 |
| Securities available for sale | 42,904,000 | 40,091,000 | 38,949,000 | 35,743,000 |
| Securities held to maturity | 2,000 | 2,000 | 1,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,858,000 | 87,376,000 | 85,540,000 | 84,099,000 |
| Interest-bearing deposits | 64,215,000 | 63,236,000 | 62,380,000 | 62,486,000 |
| Noninterest-bearing deposits | 22,643,000 | 24,140,000 | 23,160,000 | 21,613,000 |
| Equity capital | 13,835,000 | 13,255,000 | 14,120,000 | 13,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,132,000 | 2,287,000 | 3,482,000 | 4,685,000 |
| Interest expense | 100,000 | 199,000 | 295,000 | 388,000 |
| Net interest income | 1,032,000 | 2,088,000 | 3,187,000 | 4,297,000 |
| Noninterest income | 156,000 | 307,000 | 471,000 | 631,000 |
| Noninterest expense | 485,000 | 966,000 | 1,379,000 | 2,555,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | 752,000 | 1,769,000 | 2,680,000 | 2,573,000 |
| Income tax | 198,000 | 406,000 | 585,000 | 634,000 |
| Net income | 554,000 | 1,363,000 | 2,095,000 | 1,939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,430,000 | 13,239,000 | 13,972,000 | 13,447,000 |
| Total capital | 13,005,000 | 13,710,000 | 14,387,000 | 14,049,000 |
| Risk-weighted assets | 51,900,000 | 54,558,000 | 55,254,000 | 53,464,000 |