Call reports 2014
COPIAH BANK — 2014
What COPIAH BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 167,879,000 | 165,523,000 | 167,731,000 | 169,270,000 |
| Total loans | 110,891,000 | 113,001,000 | 114,092,000 | 112,824,000 |
| Allowance for loan losses | 1,490,000 | 1,520,000 | 1,550,000 | 1,553,000 |
| Securities available for sale | 13,129,000 | 12,623,000 | 14,681,000 | 14,267,000 |
| Securities held to maturity | 15,542,000 | 13,041,000 | 13,758,000 | 15,045,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,724,000 | 147,160,000 | 149,136,000 | 148,195,000 |
| Interest-bearing deposits | 105,448,000 | 102,745,000 | 103,930,000 | 105,370,000 |
| Noninterest-bearing deposits | 44,276,000 | 44,415,000 | 45,206,000 | 42,825,000 |
| Equity capital | 17,254,000 | 17,550,000 | 17,756,000 | 18,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,740,000 | 3,713,000 | 5,554,000 | 7,395,000 |
| Interest expense | 65,000 | 127,000 | 186,000 | 247,000 |
| Net interest income | 1,675,000 | 3,586,000 | 5,368,000 | 7,148,000 |
| Noninterest income | 399,000 | 869,000 | 1,375,000 | 1,914,000 |
| Noninterest expense | 1,606,000 | 3,268,000 | 4,917,000 | 6,612,000 |
| Provision for loan losses | 54,000 | 103,000 | 164,000 | 210,000 |
| Pretax income | 414,000 | 1,084,000 | 1,662,000 | 2,240,000 |
| Income tax | 132,000 | 354,000 | 544,000 | 729,000 |
| Net income | 282,000 | 730,000 | 1,118,000 | 1,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,153,000 | 17,419,000 | 17,623,000 | 17,858,000 |
| Total capital | 18,528,000 | 18,907,000 | 19,034,000 | 19,326,000 |
| Risk-weighted assets | 115,282,000 | 118,950,000 | 113,078,000 | 117,096,000 |
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