Call reports 2022
NORMANGEE STATE BANK — 2022
What NORMANGEE STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 142,794,000 | 145,708,000 | 137,659,000 | 133,692,000 |
| Total loans | 62,873,000 | 63,581,000 | 65,503,000 | 70,553,000 |
| Allowance for loan losses | 1,415,000 | 1,269,000 | 1,245,000 | 1,233,000 |
| Securities available for sale | 60,623,000 | 58,419,000 | 57,517,000 | 53,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,844,000 | 129,463,000 | 123,523,000 | 116,180,000 |
| Interest-bearing deposits | 80,482,000 | 81,952,000 | 77,117,000 | 75,117,000 |
| Noninterest-bearing deposits | 44,362,000 | 47,511,000 | 46,406,000 | 41,063,000 |
| Equity capital | 17,707,000 | 15,790,000 | 13,559,000 | 14,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,200,000 | 2,506,000 | 3,838,000 | 5,250,000 |
| Interest expense | 60,000 | 120,000 | 183,000 | 279,000 |
| Net interest income | 1,140,000 | 2,386,000 | 3,655,000 | 4,971,000 |
| Noninterest income | 251,000 | 374,000 | 503,000 | 624,000 |
| Noninterest expense | 966,000 | 1,928,000 | 2,891,000 | 4,037,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 425,000 | 832,000 | 1,267,000 | 1,434,000 |
| Income tax | 44,000 | 132,000 | 211,000 | 276,000 |
| Net income | 381,000 | 700,000 | 1,056,000 | 1,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,527,000 | 21,846,000 | 22,202,000 | 21,912,000 |
| Total capital | 22,394,000 | 22,731,000 | 23,121,000 | 22,837,000 |
| Risk-weighted assets | 68,879,000 | 70,439,000 | 73,212,000 | 73,696,000 |