Call reports 2016
NORMANGEE STATE BANK — 2016
What NORMANGEE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 128,002,000 | 123,251,000 | 121,890,000 | 121,656,000 |
| Total loans | 82,565,000 | 82,776,000 | 82,694,000 | 82,897,000 |
| Allowance for loan losses | 1,163,000 | 1,336,000 | 1,727,000 | 1,650,000 |
| Securities available for sale | 34,258,000 | 31,631,000 | 32,237,000 | 30,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,616,000 | 104,292,000 | 103,005,000 | 103,639,000 |
| Interest-bearing deposits | 78,375,000 | 76,092,000 | 25,701,000 | 78,355,000 |
| Noninterest-bearing deposits | 31,241,000 | 28,200,000 | 77,304,000 | 25,284,000 |
| Equity capital | 17,683,000 | 18,376,000 | 18,150,000 | 17,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,579,000 | 3,191,000 | 4,785,000 | 6,332,000 |
| Interest expense | 108,000 | 215,000 | 326,000 | 439,000 |
| Net interest income | 1,471,000 | 2,976,000 | 4,459,000 | 5,893,000 |
| Noninterest income | 140,000 | 260,000 | 389,000 | 479,000 |
| Noninterest expense | 745,000 | 1,483,000 | 2,195,000 | 3,120,000 |
| Provision for loan losses | 150,000 | 350,000 | 935,000 | 1,210,000 |
| Pretax income | 740,000 | 1,564,000 | 1,880,000 | 2,207,000 |
| Income tax | 203,000 | 438,000 | 568,000 | 577,000 |
| Net income | 537,000 | 1,126,000 | 1,312,000 | 1,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,082,000 | 17,661,000 | 17,524,000 | 17,842,000 |
| Total capital | 18,021,000 | 18,587,000 | 18,468,000 | 18,805,000 |
| Risk-weighted assets | 74,912,000 | 73,705,000 | 74,770,000 | 76,353,000 |