Call reports 2003
COHUTTA BANKING COMPANY, THE — 2003
What COHUTTA BANKING COMPANY, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 219,772,000 | 223,437,000 | 233,530,000 | 235,045,000 |
| Total loans | 173,131,000 | 179,991,000 | 186,736,000 | 185,237,000 |
| Allowance for loan losses | 2,341,000 | 2,355,000 | 2,437,000 | 2,413,000 |
| Securities available for sale | 27,507,000 | 29,205,000 | 35,336,000 | 38,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,229,000 | 191,960,000 | 190,460,000 | 189,497,000 |
| Interest-bearing deposits | 161,925,000 | 165,943,000 | 164,452,000 | 161,975,000 |
| Noninterest-bearing deposits | 25,304,000 | 26,017,000 | 26,008,000 | 27,522,000 |
| Equity capital | 17,751,000 | 18,284,000 | 19,230,000 | 19,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,237,000 | 6,418,000 | 9,676,000 | 12,999,000 |
| Interest expense | 940,000 | 1,812,000 | 2,560,000 | 3,278,000 |
| Net interest income | 2,297,000 | 4,606,000 | 7,116,000 | 9,721,000 |
| Noninterest income | 359,000 | 700,000 | 1,074,000 | 1,489,000 |
| Noninterest expense | 1,712,000 | 3,342,000 | 5,063,000 | 6,892,000 |
| Provision for loan losses | 0 | 39,000 | 180,000 | 249,000 |
| Pretax income | 944,000 | 1,925,000 | 2,947,000 | 4,069,000 |
| Income tax | 330,000 | 679,000 | 1,043,000 | 1,439,000 |
| Net income | 614,000 | 1,246,000 | 1,904,000 | 2,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,218,000 | 17,700,000 | 18,889,000 | 19,222,000 |
| Total capital | 19,559,000 | 20,055,000 | 21,326,000 | 21,635,000 |
| Risk-weighted assets | 189,013,000 | 196,857,000 | 210,783,000 | 207,548,000 |