Call reports 2015
NORMANGEE STATE BANK — 2015
What NORMANGEE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 116,138,000 | 115,312,000 | 119,324,000 | 118,835,000 |
| Total loans | 67,052,000 | 69,825,000 | 73,038,000 | 76,388,000 |
| Allowance for loan losses | 819,000 | 692,000 | 874,000 | 1,112,000 |
| Securities available for sale | 38,675,000 | 38,970,000 | 37,624,000 | 36,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,553,000 | 98,510,000 | 101,636,000 | 101,300,000 |
| Interest-bearing deposits | 72,671,000 | 72,224,000 | 74,182,000 | 72,069,000 |
| Noninterest-bearing deposits | 26,882,000 | 26,286,000 | 27,454,000 | 29,231,000 |
| Equity capital | 16,003,000 | 16,198,000 | 16,839,000 | 17,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,420,000 | 2,827,000 | 4,275,000 | 5,810,000 |
| Interest expense | 98,000 | 197,000 | 301,000 | 404,000 |
| Net interest income | 1,322,000 | 2,630,000 | 3,974,000 | 5,406,000 |
| Noninterest income | 122,000 | 261,000 | 412,000 | 555,000 |
| Noninterest expense | 689,000 | 1,362,000 | 2,096,000 | 3,029,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 500,000 |
| Pretax income | 755,000 | 1,529,000 | 2,109,000 | 2,454,000 |
| Income tax | 196,000 | 415,000 | 567,000 | 636,000 |
| Net income | 559,000 | 1,114,000 | 1,542,000 | 1,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,286,000 | 15,841,000 | 16,269,000 | 16,545,000 |
| Total capital | 16,043,000 | 16,533,000 | 17,074,000 | 17,379,000 |
| Risk-weighted assets | 60,571,000 | 62,360,000 | 64,339,000 | 66,549,000 |
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