Call reports 2019
NORMANGEE STATE BANK — 2019
What NORMANGEE STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 119,437,000 | 117,323,000 | 121,254,000 | 117,579,000 |
| Total loans | 76,781,000 | 75,393,000 | 73,008,000 | 72,196,000 |
| Allowance for loan losses | 1,641,000 | 2,415,000 | 1,594,000 | 1,680,000 |
| Securities available for sale | 29,979,000 | 31,820,000 | 33,413,000 | 35,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,194,000 | 97,458,000 | 100,645,000 | 97,437,000 |
| Interest-bearing deposits | 70,099,000 | 68,880,000 | 70,111,000 | 67,775,000 |
| Noninterest-bearing deposits | 29,095,000 | 28,578,000 | 30,534,000 | 29,662,000 |
| Equity capital | 19,581,000 | 19,435,000 | 20,053,000 | 19,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,500,000 | 2,989,000 | 4,485,000 | 5,965,000 |
| Interest expense | 141,000 | 297,000 | 481,000 | 669,000 |
| Net interest income | 1,359,000 | 2,692,000 | 4,004,000 | 5,296,000 |
| Noninterest income | 126,000 | 262,000 | 400,000 | 528,000 |
| Noninterest expense | 748,000 | 1,581,000 | 2,436,000 | 3,319,000 |
| Provision for loan losses | 300,000 | 1,250,000 | 1,300,000 | 1,700,000 |
| Pretax income | 465,000 | 152,000 | 697,000 | 834,000 |
| Income tax | 85,000 | 139,000 | 187,000 | 135,000 |
| Net income | 380,000 | 13,000 | 510,000 | 699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,793,000 | 19,426,000 | 19,923,000 | 19,751,000 |
| Total capital | 20,715,000 | 20,346,000 | 20,834,000 | 20,626,000 |
| Risk-weighted assets | 73,030,000 | 72,112,000 | 72,261,000 | 69,197,000 |