Call reports 2014
NORMANGEE STATE BANK — 2014
What NORMANGEE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 104,236,000 | 104,816,000 | 110,694,000 | 113,130,000 |
| Total loans | 58,761,000 | 62,175,000 | 64,159,000 | 66,126,000 |
| Allowance for loan losses | 522,000 | 693,000 | 748,000 | 869,000 |
| Securities available for sale | 36,268,000 | 36,819,000 | 34,651,000 | 37,263,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,627,000 | 89,537,000 | 94,874,000 | 97,372,000 |
| Interest-bearing deposits | 67,029,000 | 66,456,000 | 66,701,000 | 70,799,000 |
| Noninterest-bearing deposits | 22,598,000 | 23,081,000 | 28,173,000 | 26,573,000 |
| Equity capital | 14,213,000 | 14,945,000 | 15,489,000 | 15,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,193,000 | 2,453,000 | 3,751,000 | 5,104,000 |
| Interest expense | 91,000 | 186,000 | 280,000 | 376,000 |
| Net interest income | 1,102,000 | 2,267,000 | 3,471,000 | 4,728,000 |
| Noninterest income | 171,000 | 312,000 | 475,000 | 508,000 |
| Noninterest expense | 509,000 | 1,054,000 | 1,611,000 | 2,802,000 |
| Provision for loan losses | 0 | 200,000 | 300,000 | 800,000 |
| Pretax income | 797,000 | 1,362,000 | 2,074,000 | 1,676,000 |
| Income tax | 224,000 | 374,000 | 574,000 | 396,000 |
| Net income | 573,000 | 988,000 | 1,500,000 | 1,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,020,000 | 14,435,000 | 14,947,000 | 14,727,000 |
| Total capital | 14,542,000 | 15,119,000 | 15,673,000 | 15,478,000 |
| Risk-weighted assets | 55,068,000 | 57,405,000 | 58,095,000 | 60,072,000 |