Call reports 2023
FIRST NATIONAL BANK OF COFFEE COUNTY — 2023
What FIRST NATIONAL BANK OF COFFEE COUNTY 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 | 420,210,000 | 426,465,000 | 439,180,000 | 447,570,000 |
| Total loans | 204,449,000 | 209,718,000 | 219,780,000 | 232,926,000 |
| Allowance for loan losses | 2,424,000 | 2,464,000 | 2,453,000 | 2,676,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 144,994,000 | 144,548,000 | 134,053,000 | 133,673,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,624,000 | 385,499,000 | 396,294,000 | 405,472,000 |
| Interest-bearing deposits | 228,536,000 | 262,467,000 | 280,031,000 | 282,170,000 |
| Noninterest-bearing deposits | 153,088,000 | 123,032,000 | 116,263,000 | 123,302,000 |
| Equity capital | 34,918,000 | 36,384,000 | 37,508,000 | 38,543,000 |
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 | 4,269,000 | 8,780,000 | 13,551,000 | 18,889,000 |
| Interest expense | 583,000 | 1,826,000 | 3,541,000 | 5,524,000 |
| Net interest income | 3,686,000 | 6,954,000 | 10,010,000 | 13,365,000 |
| Noninterest income | 515,000 | 1,054,000 | 1,686,000 | 2,251,000 |
| Noninterest expense | 2,645,000 | 4,987,000 | 7,676,000 | 10,442,000 |
| Provision for loan losses | 65,000 | 65,000 | 143,000 | 340,000 |
| Pretax income | 1,458,000 | 2,826,000 | 3,727,000 | 4,684,000 |
| Income tax | 18,000 | 18,000 | -106,000 | -100,000 |
| Net income | 1,440,000 | 2,808,000 | 3,833,000 | 4,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,871,000 | 38,239,000 | 39,264,000 | 40,214,000 |
| Total capital | 39,327,000 | 40,833,000 | 41,867,000 | 43,040,000 |
| Risk-weighted assets | 213,494,000 | 215,233,000 | 225,095,000 | 231,054,000 |