Call reports 2004
COHUTTA BANKING COMPANY, THE — 2004
What COHUTTA BANKING COMPANY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 243,584,000 | 253,227,000 | 255,076,000 | 250,790,000 |
| Total loans | 191,950,000 | 203,590,000 | 205,090,000 | 202,212,000 |
| Allowance for loan losses | 2,501,000 | 2,649,000 | 2,625,000 | 2,641,000 |
| Securities available for sale | 41,863,000 | 38,847,000 | 38,130,000 | 36,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,769,000 | 191,906,000 | 181,417,000 | 193,537,000 |
| Interest-bearing deposits | 166,892,000 | 165,841,000 | 155,522,000 | 167,037,000 |
| Noninterest-bearing deposits | 25,877,000 | 26,065,000 | 25,895,000 | 26,500,000 |
| Equity capital | 19,866,000 | 20,155,000 | 21,013,000 | 21,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,251,000 | 6,635,000 | 10,138,000 | 13,727,000 |
| Interest expense | 709,000 | 1,425,000 | 2,200,000 | 3,037,000 |
| Net interest income | 2,542,000 | 5,212,000 | 7,938,000 | 10,690,000 |
| Noninterest income | 426,000 | 887,000 | 1,404,000 | 1,993,000 |
| Noninterest expense | 1,796,000 | 3,614,000 | 5,433,000 | 7,271,000 |
| Provision for loan losses | 399,000 | 570,000 | 612,000 | 647,000 |
| Pretax income | 773,000 | 1,915,000 | 3,297,000 | 4,765,000 |
| Income tax | 255,000 | 666,000 | 1,165,000 | 1,693,000 |
| Net income | 518,000 | 1,249,000 | 2,132,000 | 3,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,487,000 | 20,553,000 | 20,822,000 | 21,487,000 |
| Total capital | 21,988,000 | 23,202,000 | 23,447,000 | 24,128,000 |
| Risk-weighted assets | 209,100,000 | 229,360,000 | 229,904,000 | 225,257,000 |