Call reports 2006
COHUTTA BANKING COMPANY, THE — 2006
What COHUTTA BANKING COMPANY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 239,159,000 | 237,660,000 | 237,698,000 | 248,500,000 |
| Total loans | 171,630,000 | 174,247,000 | 171,665,000 | 178,631,000 |
| Allowance for loan losses | 2,276,000 | 2,377,000 | 2,178,000 | 2,274,000 |
| Securities available for sale | 43,394,000 | 46,141,000 | 47,226,000 | 45,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,791,000 | 193,021,000 | 196,579,000 | 214,022,000 |
| Interest-bearing deposits | 163,280,000 | 159,299,000 | 161,213,000 | 181,337,000 |
| Noninterest-bearing deposits | 33,511,000 | 33,722,000 | 35,366,000 | 32,685,000 |
| Equity capital | 21,266,000 | 21,716,000 | 20,273,000 | 20,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,756,000 | 7,746,000 | 11,876,000 | 16,055,000 |
| Interest expense | 1,162,000 | 2,523,000 | 4,068,000 | 5,694,000 |
| Net interest income | 2,594,000 | 5,223,000 | 7,808,000 | 10,361,000 |
| Noninterest income | 598,000 | 1,165,000 | 1,638,000 | 2,077,000 |
| Noninterest expense | 2,055,000 | 4,006,000 | 5,968,000 | 7,931,000 |
| Provision for loan losses | 20,000 | 140,000 | 1,090,000 | 1,380,000 |
| Pretax income | 1,117,000 | 2,242,000 | 2,388,000 | 3,127,000 |
| Income tax | 406,000 | 809,000 | 843,000 | 1,120,000 |
| Net income | 711,000 | 1,433,000 | 1,545,000 | 2,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,007,000 | 22,744,000 | 20,641,000 | 21,125,000 |
| Total capital | 24,283,000 | 25,121,000 | 22,819,000 | 23,399,000 |
| Risk-weighted assets | 208,042,000 | 204,323,000 | 198,241,000 | 203,052,000 |