Call reports 2002
COHUTTA BANKING COMPANY, THE — 2002
What COHUTTA BANKING COMPANY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 191,358,000 | 202,960,000 | 214,025,000 | 225,395,000 |
| Total loans | 148,251,000 | 159,962,000 | 167,356,000 | 176,538,000 |
| Allowance for loan losses | 2,044,000 | 2,168,000 | 2,268,000 | 2,393,000 |
| Securities available for sale | 32,265,000 | 31,890,000 | 31,045,000 | 31,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,923,000 | 165,915,000 | 174,640,000 | 165,127,000 |
| Interest-bearing deposits | 135,414,000 | 140,933,000 | 149,837,000 | 143,313,000 |
| Noninterest-bearing deposits | 22,509,000 | 24,982,000 | 24,803,000 | 21,814,000 |
| Equity capital | 13,675,000 | 15,124,000 | 16,435,000 | 17,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,100,000 | 6,327,000 | 9,651,000 | 13,000,000 |
| Interest expense | 972,000 | 1,955,000 | 2,994,000 | 4,004,000 |
| Net interest income | 2,128,000 | 4,372,000 | 6,657,000 | 8,996,000 |
| Noninterest income | 277,000 | 596,000 | 927,000 | 1,311,000 |
| Noninterest expense | 1,420,000 | 2,933,000 | 4,515,000 | 6,004,000 |
| Provision for loan losses | 107,000 | 284,000 | 422,000 | 568,000 |
| Pretax income | 878,000 | 1,751,000 | 2,647,000 | 3,735,000 |
| Income tax | 322,000 | 625,000 | 942,000 | 1,324,000 |
| Net income | 556,000 | 1,126,000 | 1,705,000 | 2,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,843,000 | 14,702,000 | 15,892,000 | 16,604,000 |
| Total capital | 15,769,000 | 16,796,000 | 18,127,000 | 18,948,000 |
| Risk-weighted assets | 153,981,000 | 167,245,000 | 178,744,000 | 187,477,000 |