Call reports 2007
COPIAH BANK — 2007
What COPIAH BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 122,405,000 | 122,020,000 | 121,670,000 | 127,950,000 |
| Total loans | 80,987,000 | 82,758,000 | 86,641,000 | 89,004,000 |
| Allowance for loan losses | 827,000 | 832,000 | 855,000 | 877,000 |
| Securities available for sale | 9,227,000 | 9,159,000 | 8,603,000 | 8,338,000 |
| Securities held to maturity | 14,173,000 | 14,680,000 | 14,713,000 | 14,962,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,723,000 | 108,111,000 | 105,265,000 | 108,754,000 |
| Interest-bearing deposits | 87,102,000 | 86,422,000 | 82,867,000 | 86,324,000 |
| Noninterest-bearing deposits | 21,621,000 | 21,689,000 | 22,398,000 | 22,430,000 |
| Equity capital | 9,954,000 | 10,181,000 | 10,372,000 | 10,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,157,000 | 4,372,000 | 6,628,000 | 8,901,000 |
| Interest expense | 785,000 | 1,623,000 | 2,460,000 | 3,307,000 |
| Net interest income | 1,372,000 | 2,749,000 | 4,168,000 | 5,594,000 |
| Noninterest income | 371,000 | 758,000 | 1,149,000 | 1,520,000 |
| Noninterest expense | 1,222,000 | 2,409,000 | 3,650,000 | 4,949,000 |
| Provision for loan losses | 15,000 | 34,000 | 69,000 | 122,000 |
| Pretax income | 506,000 | 1,064,000 | 1,598,000 | 2,043,000 |
| Income tax | 145,000 | 307,000 | 467,000 | 596,000 |
| Net income | 361,000 | 757,000 | 1,131,000 | 1,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,935,000 | 10,171,000 | 10,367,000 | 10,342,000 |
| Total capital | 10,762,000 | 11,003,000 | 11,222,000 | 11,219,000 |
| Risk-weighted assets | 87,269,000 | 97,753,000 | 92,690,000 | 96,534,000 |
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