Call reports 2005
COHUTTA BANKING COMPANY, THE — 2005
What COHUTTA BANKING COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 239,275,000 | 231,450,000 | 231,854,000 | 231,458,000 |
| Total loans | 183,242,000 | 180,916,000 | 178,921,000 | 171,555,000 |
| Allowance for loan losses | 2,455,000 | 2,440,000 | 2,445,000 | 2,310,000 |
| Securities available for sale | 38,206,000 | 35,675,000 | 37,655,000 | 43,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,851,000 | 175,747,000 | 175,820,000 | 186,626,000 |
| Interest-bearing deposits | 164,085,000 | 148,489,000 | 147,210,000 | 155,453,000 |
| Noninterest-bearing deposits | 28,766,000 | 27,258,000 | 28,610,000 | 31,173,000 |
| Equity capital | 21,580,000 | 22,039,000 | 21,859,000 | 21,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,599,000 | 7,115,000 | 10,780,000 | 14,497,000 |
| Interest expense | 886,000 | 1,752,000 | 2,746,000 | 3,837,000 |
| Net interest income | 2,713,000 | 5,363,000 | 8,034,000 | 10,660,000 |
| Noninterest income | 531,000 | 1,166,000 | 1,755,000 | 2,268,000 |
| Noninterest expense | 1,803,000 | 3,558,000 | 5,382,000 | 7,255,000 |
| Provision for loan losses | -41,000 | 0 | 10,000 | -117,000 |
| Pretax income | 1,482,000 | 2,971,000 | 4,397,000 | 5,790,000 |
| Income tax | 538,000 | 1,087,000 | 1,621,000 | 2,128,000 |
| Net income | 944,000 | 1,884,000 | 2,776,000 | 3,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,903,000 | 21,980,000 | 22,018,000 | 22,051,000 |
| Total capital | 24,358,000 | 24,420,000 | 24,463,000 | 24,361,000 |
| Risk-weighted assets | 211,371,000 | 205,902,000 | 205,302,000 | 197,283,000 |