Call reports 2016
COPIAH BANK — 2016
What COPIAH BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 175,687,000 | 174,611,000 | 206,188,000 | 213,272,000 |
| Total loans | 108,431,000 | 112,645,000 | 131,487,000 | 154,729,000 |
| Allowance for loan losses | 1,646,000 | 1,322,000 | 1,352,000 | 1,397,000 |
| Securities available for sale | 9,145,000 | 11,698,000 | 11,097,000 | 10,359,000 |
| Securities held to maturity | 20,254,000 | 21,402,000 | 20,671,000 | 19,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,158,000 | 154,918,000 | 158,303,000 | 172,360,000 |
| Interest-bearing deposits | 102,707,000 | 101,998,000 | 104,820,000 | 110,692,000 |
| Noninterest-bearing deposits | 53,451,000 | 52,920,000 | 53,483,000 | 61,668,000 |
| Equity capital | 18,504,000 | 18,611,000 | 18,778,000 | 19,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,793,000 | 3,534,000 | 5,451,000 | 7,643,000 |
| Interest expense | 64,000 | 131,000 | 212,000 | 347,000 |
| Net interest income | 1,729,000 | 3,403,000 | 5,239,000 | 7,296,000 |
| Noninterest income | 421,000 | 996,000 | 1,455,000 | 1,992,000 |
| Noninterest expense | 1,701,000 | 3,483,000 | 5,325,000 | 7,555,000 |
| Provision for loan losses | 16,000 | 76,000 | 109,000 | 182,000 |
| Pretax income | 433,000 | 840,000 | 1,260,000 | 1,318,000 |
| Income tax | 130,000 | 236,000 | 352,000 | 327,000 |
| Net income | 303,000 | 604,000 | 908,000 | 991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,435,000 | 18,524,000 | 18,707,000 | 19,562,000 |
| Total capital | 19,929,000 | 19,846,000 | 20,059,000 | 20,959,000 |
| Risk-weighted assets | 119,437,000 | 127,126,000 | 153,760,000 | 167,458,000 |
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