Call reports 2013
COPIAH BANK — 2013
What COPIAH BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 161,871,000 | 162,845,000 | 166,442,000 | 164,890,000 |
| Total loans | 113,311,000 | 111,339,000 | 111,133,000 | 112,447,000 |
| Allowance for loan losses | 1,370,000 | 1,400,000 | 1,430,000 | 1,460,000 |
| Securities available for sale | 11,417,000 | 8,498,000 | 9,557,000 | 12,817,000 |
| Securities held to maturity | 7,299,000 | 9,376,000 | 11,251,000 | 11,447,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,476,000 | 145,399,000 | 148,781,000 | 146,915,000 |
| Interest-bearing deposits | 105,474,000 | 105,660,000 | 106,793,000 | 105,839,000 |
| Noninterest-bearing deposits | 39,002,000 | 39,739,000 | 41,988,000 | 41,076,000 |
| Equity capital | 16,536,000 | 16,722,000 | 16,857,000 | 17,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,825,000 | 3,637,000 | 5,478,000 | 7,270,000 |
| Interest expense | 90,000 | 169,000 | 242,000 | 314,000 |
| Net interest income | 1,735,000 | 3,468,000 | 5,236,000 | 6,956,000 |
| Noninterest income | 414,000 | 880,000 | 1,353,000 | 1,715,000 |
| Noninterest expense | 1,638,000 | 3,278,000 | 4,892,000 | 6,544,000 |
| Provision for loan losses | 55,000 | 105,000 | 162,000 | 245,000 |
| Pretax income | 456,000 | 965,000 | 1,535,000 | 1,882,000 |
| Income tax | 157,000 | 330,000 | 523,000 | 636,000 |
| Net income | 299,000 | 635,000 | 1,012,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,467,000 | 16,653,000 | 16,881,000 | 17,035,000 |
| Total capital | 17,825,000 | 18,053,000 | 18,243,000 | 18,448,000 |
| Risk-weighted assets | 108,659,000 | 118,926,000 | 108,617,000 | 113,370,000 |
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