Call reports 2009
COPIAH BANK — 2009
What COPIAH BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 137,111,000 | 136,244,000 | 139,493,000 | 141,826,000 |
| Total loans | 92,139,000 | 95,835,000 | 99,004,000 | 100,093,000 |
| Allowance for loan losses | 997,000 | 1,027,000 | 1,042,000 | 984,000 |
| Securities available for sale | 12,203,000 | 9,131,000 | 8,699,000 | 8,347,000 |
| Securities held to maturity | 14,978,000 | 12,958,000 | 12,219,000 | 11,919,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,364,000 | 121,900,000 | 125,065,000 | 127,353,000 |
| Interest-bearing deposits | 99,701,000 | 98,808,000 | 101,266,000 | 102,979,000 |
| Noninterest-bearing deposits | 22,663,000 | 23,092,000 | 23,799,000 | 24,374,000 |
| Equity capital | 10,874,000 | 12,089,000 | 12,292,000 | 12,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,982,000 | 3,990,000 | 6,008,000 | 8,039,000 |
| Interest expense | 561,000 | 1,046,000 | 1,484,000 | 1,868,000 |
| Net interest income | 1,421,000 | 2,944,000 | 4,524,000 | 6,171,000 |
| Noninterest income | 480,000 | 851,000 | 1,234,000 | 1,603,000 |
| Noninterest expense | 1,505,000 | 3,068,000 | 4,592,000 | 6,121,000 |
| Provision for loan losses | 76,000 | 155,000 | 211,000 | 297,000 |
| Pretax income | 291,000 | 548,000 | 892,000 | 1,139,000 |
| Income tax | 67,000 | 121,000 | 199,000 | 236,000 |
| Net income | 224,000 | 427,000 | 693,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,100,000 | 12,456,000 | 12,601,000 | 12,653,000 |
| Total capital | 12,097,000 | 13,483,000 | 13,656,000 | 13,637,000 |
| Risk-weighted assets | 100,445,000 | 107,324,000 | 107,405,000 | 110,426,000 |
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