Call reports 2008
COPIAH BANK — 2008
What COPIAH BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 128,745,000 | 132,664,000 | 128,519,000 | 131,862,000 |
| Total loans | 89,853,000 | 85,949,000 | 89,989,000 | 92,520,000 |
| Allowance for loan losses | 899,000 | 922,000 | 945,000 | 967,000 |
| Securities available for sale | 8,551,000 | 7,997,000 | 6,915,000 | 6,477,000 |
| Securities held to maturity | 15,801,000 | 16,722,000 | 16,037,000 | 15,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,307,000 | 117,165,000 | 113,077,000 | 117,277,000 |
| Interest-bearing deposits | 88,423,000 | 93,446,000 | 91,451,000 | 95,810,000 |
| Noninterest-bearing deposits | 22,884,000 | 23,719,000 | 21,626,000 | 21,467,000 |
| Equity capital | 10,511,000 | 10,592,000 | 10,160,000 | 10,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,241,000 | 4,394,000 | 6,577,000 | 8,659,000 |
| Interest expense | 812,000 | 1,555,000 | 2,233,000 | 2,874,000 |
| Net interest income | 1,429,000 | 2,839,000 | 4,344,000 | 5,785,000 |
| Noninterest income | 396,000 | 807,000 | 1,207,000 | 1,544,000 |
| Noninterest expense | 1,293,000 | 2,564,000 | 3,897,000 | 5,307,000 |
| Provision for loan losses | 18,000 | 64,000 | 112,000 | 174,000 |
| Pretax income | 514,000 | 1,018,000 | 975,000 | 808,000 |
| Income tax | 150,000 | 294,000 | 395,000 | 55,000 |
| Net income | 364,000 | 724,000 | 580,000 | 753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,499,000 | 10,605,000 | 10,632,000 | 10,668,000 |
| Total capital | 11,398,000 | 11,527,000 | 11,577,000 | 11,635,000 |
| Risk-weighted assets | 98,064,000 | 95,510,000 | 99,004,000 | 94,752,000 |
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