Call reports 2020
NORMANGEE STATE BANK — 2020
What NORMANGEE STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 121,315,000 | 132,087,000 | 130,564,000 | 134,251,000 |
| Total loans | 70,144,000 | 69,410,000 | 68,920,000 | 68,216,000 |
| Allowance for loan losses | 1,637,000 | 1,757,000 | 1,884,000 | 1,996,000 |
| Securities available for sale | 35,336,000 | 41,317,000 | 43,674,000 | 49,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,299,000 | 110,330,000 | 108,533,000 | 112,859,000 |
| Interest-bearing deposits | 69,142,000 | 72,343,000 | 72,084,000 | 76,948,000 |
| Noninterest-bearing deposits | 31,157,000 | 37,987,000 | 36,449,000 | 35,911,000 |
| Equity capital | 20,580,000 | 21,128,000 | 21,434,000 | 21,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,421,000 | 2,714,000 | 4,063,000 | 5,361,000 |
| Interest expense | 184,000 | 364,000 | 522,000 | 651,000 |
| Net interest income | 1,237,000 | 2,350,000 | 3,541,000 | 4,710,000 |
| Noninterest income | 135,000 | 243,000 | 373,000 | 507,000 |
| Noninterest expense | 858,000 | 1,624,000 | 2,455,000 | 3,583,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 364,000 | 669,000 | 1,009,000 | 1,034,000 |
| Income tax | 65,000 | 118,000 | 177,000 | 169,000 |
| Net income | 299,000 | 551,000 | 832,000 | 865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,050,000 | 20,301,000 | 20,583,000 | 20,256,000 |
| Total capital | 20,877,000 | 21,134,000 | 21,425,000 | 21,120,000 |
| Risk-weighted assets | 65,384,000 | 65,720,000 | 66,345,000 | 68,037,000 |