Call reports 2024
FIRST NATIONAL BANK OF COFFEE COUNTY — 2024
What FIRST NATIONAL BANK OF COFFEE COUNTY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 460,023,000 | 485,015,000 | 471,861,000 | 503,970,000 |
| Total loans | 244,586,000 | 250,390,000 | 256,034,000 | 255,134,000 |
| Allowance for loan losses | 2,809,000 | 2,940,000 | 3,072,000 | 3,104,000 |
| Securities available for sale | 0 | 28,838,000 | 62,925,000 | 63,267,000 |
| Securities held to maturity | 101,277,000 | 80,798,000 | 60,280,000 | 57,792,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,215,000 | 441,268,000 | 424,409,000 | 458,399,000 |
| Interest-bearing deposits | 293,388,000 | 324,914,000 | 313,883,000 | 327,817,000 |
| Noninterest-bearing deposits | 124,827,000 | 116,354,000 | 110,526,000 | 130,582,000 |
| Equity capital | 37,750,000 | 39,218,000 | 41,722,000 | 41,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,624,000 | 11,683,000 | 18,033,000 | 24,675,000 |
| Interest expense | 2,046,000 | 4,405,000 | 6,949,000 | 9,327,000 |
| Net interest income | 3,578,000 | 7,278,000 | 11,084,000 | 15,348,000 |
| Noninterest income | 559,000 | 1,180,000 | 1,832,000 | 2,401,000 |
| Noninterest expense | 2,711,000 | 5,595,000 | 8,657,000 | 11,562,000 |
| Provision for loan losses | 131,000 | 263,000 | 394,000 | 525,000 |
| Pretax income | 1,295,000 | 2,600,000 | 3,865,000 | 5,662,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 48,000 |
| Net income | 1,283,000 | 2,576,000 | 3,829,000 | 5,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,345,000 | 40,638,000 | 41,890,000 | 43,676,000 |
| Total capital | 42,303,000 | 43,618,000 | 44,938,000 | 46,716,000 |
| Risk-weighted assets | 240,743,000 | 238,356,000 | 243,738,000 | 243,065,000 |