Call reports 2015
COPIAH BANK — 2015
What COPIAH BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 168,063,000 | 169,094,000 | 167,703,000 | 171,756,000 |
| Total loans | 111,478,000 | 107,621,000 | 106,947,000 | 107,266,000 |
| Allowance for loan losses | 1,536,000 | 1,566,000 | 1,596,000 | 1,626,000 |
| Securities available for sale | 11,150,000 | 10,668,000 | 11,306,000 | 10,212,000 |
| Securities held to maturity | 16,244,000 | 16,116,000 | 17,646,000 | 17,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,984,000 | 149,760,000 | 148,150,000 | 152,154,000 |
| Interest-bearing deposits | 104,027,000 | 101,667,000 | 100,446,000 | 100,530,000 |
| Noninterest-bearing deposits | 44,957,000 | 48,093,000 | 47,704,000 | 51,624,000 |
| Equity capital | 18,194,000 | 18,335,000 | 18,456,000 | 18,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,731,000 | 3,479,000 | 5,280,000 | 6,997,000 |
| Interest expense | 59,000 | 117,000 | 176,000 | 236,000 |
| Net interest income | 1,672,000 | 3,362,000 | 5,104,000 | 6,761,000 |
| Noninterest income | 474,000 | 1,016,000 | 1,509,000 | 2,006,000 |
| Noninterest expense | 1,641,000 | 3,372,000 | 5,102,000 | 6,956,000 |
| Provision for loan losses | 55,000 | 90,000 | 127,000 | 215,000 |
| Pretax income | 450,000 | 916,000 | 1,397,000 | 1,609,000 |
| Income tax | 135,000 | 277,000 | 423,000 | 467,000 |
| Net income | 315,000 | 639,000 | 974,000 | 1,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,038,000 | 18,195,000 | 18,342,000 | 18,303,000 |
| Total capital | 19,537,000 | 19,649,000 | 19,802,000 | 19,740,000 |
| Risk-weighted assets | 119,748,000 | 116,177,000 | 116,680,000 | 114,799,000 |
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