Call reports 2025
NORMANGEE STATE BANK — 2025
What NORMANGEE STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 149,956,000 | 152,712,000 | 163,465,000 | 158,523,000 |
| Total loans | 82,675,000 | 89,060,000 | 92,814,000 | 93,404,000 |
| Allowance for loan losses | 1,288,000 | 1,267,000 | 1,270,000 | 1,267,000 |
| Securities available for sale | 46,397,000 | 45,111,000 | 44,801,000 | 45,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,919,000 | 127,845,000 | 137,395,000 | 132,773,000 |
| Interest-bearing deposits | 88,455,000 | 84,841,000 | 85,894,000 | 86,868,000 |
| Noninterest-bearing deposits | 43,464,000 | 43,004,000 | 51,501,000 | 45,905,000 |
| Equity capital | 17,691,000 | 18,255,000 | 19,211,000 | 19,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,913,000 | 3,936,000 | 5,990,000 | 7,976,000 |
| Interest expense | 478,000 | 928,000 | 1,374,000 | 1,835,000 |
| Net interest income | 1,435,000 | 3,008,000 | 4,616,000 | 6,141,000 |
| Noninterest income | 98,000 | 195,000 | 200,000 | 384,000 |
| Noninterest expense | 1,294,000 | 2,658,000 | 4,005,000 | 5,491,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 239,000 | 545,000 | 811,000 | 1,034,000 |
| Income tax | 86,000 | 141,000 | 189,000 | 185,000 |
| Net income | 153,000 | 404,000 | 622,000 | 849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,606,000 | 23,857,000 | 24,075,000 | 23,940,000 |
| Total capital | 24,660,000 | 24,999,000 | 25,234,000 | 25,108,000 |
| Risk-weighted assets | 84,119,000 | 91,240,000 | 92,654,000 | 93,336,000 |