Call reports 2018
COPIAH BANK — 2018
What COPIAH BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 230,807,000 | 226,913,000 | 228,042,000 | 224,714,000 |
| Total loans | 177,530,000 | 174,375,000 | 174,180,000 | 173,676,000 |
| Allowance for loan losses | 2,022,000 | 2,082,000 | 2,142,000 | 2,202,000 |
| Securities available for sale | 12,216,000 | 11,541,000 | 11,151,000 | 11,051,000 |
| Securities held to maturity | 16,781,000 | 16,175,000 | 14,868,000 | 14,464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,980,000 | 184,694,000 | 183,963,000 | 180,367,000 |
| Interest-bearing deposits | 123,295,000 | 124,009,000 | 125,133,000 | 122,073,000 |
| Noninterest-bearing deposits | 61,685,000 | 60,685,000 | 58,830,000 | 58,294,000 |
| Equity capital | 20,728,000 | 21,125,000 | 21,414,000 | 21,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,451,000 | 4,988,000 | 7,555,000 | 10,226,000 |
| Interest expense | 311,000 | 663,000 | 1,035,000 | 1,456,000 |
| Net interest income | 2,140,000 | 4,325,000 | 6,520,000 | 8,770,000 |
| Noninterest income | 528,000 | 1,091,000 | 1,474,000 | 1,908,000 |
| Noninterest expense | 1,997,000 | 4,009,000 | 5,975,000 | 7,890,000 |
| Provision for loan losses | 106,000 | 159,000 | 232,000 | 309,000 |
| Pretax income | 559,000 | 1,242,000 | 1,781,000 | 2,402,000 |
| Income tax | 113,000 | 259,000 | 368,000 | 517,000 |
| Net income | 446,000 | 983,000 | 1,413,000 | 1,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,774,000 | 21,184,000 | 21,490,000 | 21,837,000 |
| Total capital | 22,796,000 | 23,266,000 | 23,632,000 | 24,039,000 |
| Risk-weighted assets | 186,514,000 | 183,228,000 | 180,775,000 | 181,780,000 |
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