Call reports 2019
COPIAH BANK — 2019
What COPIAH BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 231,136,000 | 229,060,000 | 233,190,000 | 227,306,000 |
| Total loans | 174,633,000 | 174,198,000 | 173,877,000 | 176,421,000 |
| Allowance for loan losses | 2,232,000 | 2,262,000 | 2,292,000 | 2,322,000 |
| Securities available for sale | 9,691,000 | 7,720,000 | 7,382,000 | 7,110,000 |
| Securities held to maturity | 14,243,000 | 14,728,000 | 16,947,000 | 18,394,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,418,000 | 183,705,000 | 187,265,000 | 185,493,000 |
| Interest-bearing deposits | 127,383,000 | 125,539,000 | 128,743,000 | 131,143,000 |
| Noninterest-bearing deposits | 59,035,000 | 58,166,000 | 58,522,000 | 54,350,000 |
| Equity capital | 22,136,000 | 22,638,000 | 23,067,000 | 23,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,621,000 | 5,332,000 | 8,043,000 | 10,804,000 |
| Interest expense | 463,000 | 983,000 | 1,530,000 | 2,072,000 |
| Net interest income | 2,158,000 | 4,349,000 | 6,513,000 | 8,732,000 |
| Noninterest income | 488,000 | 1,007,000 | 1,552,000 | 2,048,000 |
| Noninterest expense | 2,034,000 | 3,950,000 | 5,930,000 | 7,961,000 |
| Provision for loan losses | 86,000 | 180,000 | 214,000 | 278,000 |
| Pretax income | 535,000 | 1,233,000 | 1,934,000 | 2,554,000 |
| Income tax | 111,000 | 264,000 | 416,000 | 660,000 |
| Net income | 424,000 | 969,000 | 1,518,000 | 1,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,134,000 | 22,565,000 | 22,993,000 | 23,209,000 |
| Total capital | 24,366,000 | 24,827,000 | 25,224,000 | 25,531,000 |
| Risk-weighted assets | 181,155,000 | 176,669,000 | 178,467,000 | 179,727,000 |
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