Call reports 2023
COPIAH BANK — 2023
What COPIAH BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 307,131,000 | 307,981,000 | 302,974,000 | 306,375,000 |
| Total loans | 204,504,000 | 197,266,000 | 190,924,000 | 183,025,000 |
| Allowance for loan losses | 2,522,000 | 2,522,000 | 2,772,000 | 2,772,000 |
| Securities available for sale | 25,293,000 | 23,817,000 | 22,391,000 | 23,238,000 |
| Securities held to maturity | 49,959,000 | 48,863,000 | 48,610,000 | 57,556,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,831,000 | 277,952,000 | 269,732,000 | 272,143,000 |
| Interest-bearing deposits | 185,841,000 | 187,953,000 | 179,854,000 | 176,320,000 |
| Noninterest-bearing deposits | 88,990,000 | 89,999,000 | 89,878,000 | 95,823,000 |
| Equity capital | 27,715,000 | 27,849,000 | 30,825,000 | 32,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,105,000 | 6,372,000 | 9,584,000 | 13,137,000 |
| Interest expense | 716,000 | 1,514,000 | 2,296,000 | 3,135,000 |
| Net interest income | 2,389,000 | 4,858,000 | 7,288,000 | 10,002,000 |
| Noninterest income | 453,000 | 869,000 | 6,230,000 | 7,047,000 |
| Noninterest expense | 2,240,000 | 4,472,000 | 7,357,000 | 9,631,000 |
| Provision for loan losses | 0 | 9,000 | 256,000 | 283,000 |
| Pretax income | 602,000 | 1,190,000 | 5,849,000 | 5,616,000 |
| Income tax | 101,000 | 210,000 | 1,334,000 | 1,240,000 |
| Net income | 501,000 | 980,000 | 4,515,000 | 4,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,443,000 | 29,721,000 | 33,054,000 | 32,715,000 |
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