Call reports 2023
NORMANGEE STATE BANK — 2023
What NORMANGEE STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 137,512,000 | 145,039,000 | 141,847,000 | 140,785,000 |
| Total loans | 70,153,000 | 74,317,000 | 77,387,000 | 75,872,000 |
| Allowance for loan losses | 1,323,000 | 1,334,000 | 1,288,000 | 1,280,000 |
| Securities available for sale | 53,231,000 | 51,751,000 | 48,101,000 | 50,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,420,000 | 128,536,000 | 126,835,000 | 123,895,000 |
| Interest-bearing deposits | 76,237,000 | 79,615,000 | 78,376,000 | 80,167,000 |
| Noninterest-bearing deposits | 45,183,000 | 48,921,000 | 48,459,000 | 43,728,000 |
| Equity capital | 15,673,000 | 15,784,000 | 14,306,000 | 16,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,453,000 | 3,086,000 | 4,812,000 | 6,592,000 |
| Interest expense | 182,000 | 401,000 | 667,000 | 999,000 |
| Net interest income | 1,271,000 | 2,685,000 | 4,145,000 | 5,593,000 |
| Noninterest income | 121,000 | 244,000 | 338,000 | 406,000 |
| Noninterest expense | 1,016,000 | 2,043,000 | 3,108,000 | 4,289,000 |
| Provision for loan losses | 0 | 0 | -25,000 | -25,000 |
| Pretax income | 376,000 | 886,000 | 1,375,000 | 1,710,000 |
| Income tax | 82,000 | 267,000 | 274,000 | 335,000 |
| Net income | 294,000 | 619,000 | 1,101,000 | 1,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,196,000 | 22,521,000 | 23,003,000 | 22,884,000 |
| Total capital | 23,118,000 | 23,485,000 | 24,000,000 | 23,851,000 |
| Risk-weighted assets | 73,452,000 | 76,845,000 | 79,551,000 | 77,120,000 |