Call reports 2020
COPIAH BANK — 2020
What COPIAH BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 237,105,000 | 247,658,000 | 252,291,000 | 261,679,000 |
| Total loans | 173,799,000 | 173,639,000 | 171,625,000 | 169,094,000 |
| Allowance for loan losses | 2,322,000 | 2,352,000 | 2,382,000 | 2,312,000 |
| Securities available for sale | 11,106,000 | 18,357,000 | 26,720,000 | 27,771,000 |
| Securities held to maturity | 15,257,000 | 21,257,000 | 22,874,000 | 24,528,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,625,000 | 204,642,000 | 208,815,000 | 218,138,000 |
| Interest-bearing deposits | 134,234,000 | 135,455,000 | 139,255,000 | 142,335,000 |
| Noninterest-bearing deposits | 60,391,000 | 69,187,000 | 69,560,000 | 75,803,000 |
| Equity capital | 23,778,000 | 24,370,000 | 24,643,000 | 25,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,679,000 | 5,335,000 | 7,842,000 | 10,322,000 |
| Interest expense | 495,000 | 941,000 | 1,324,000 | 1,653,000 |
| Net interest income | 2,184,000 | 4,394,000 | 6,518,000 | 8,669,000 |
| Noninterest income | 538,000 | 1,008,000 | 1,506,000 | 2,219,000 |
| Noninterest expense | 1,968,000 | 3,957,000 | 5,999,000 | 8,045,000 |
| Provision for loan losses | 17,000 | 113,000 | 293,000 | 380,000 |
| Pretax income | 737,000 | 1,332,000 | 1,732,000 | 2,463,000 |
| Income tax | 164,000 | 285,000 | 315,000 | 471,000 |
| Net income | 573,000 | 1,047,000 | 1,417,000 | 1,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,621,000 | 23,934,000 | 24,144,000 | 24,558,000 |
| Total capital | 25,942,000 | — | — | — |
| Risk-weighted assets | 185,692,000 | — | — | — |