Call reports 2007
COHUTTA BANKING COMPANY, THE — 2007
What COHUTTA BANKING COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 262,920,000 | 259,605,000 | 262,558,000 | 251,697,000 |
| Total loans | 190,915,000 | 191,355,000 | 191,709,000 | 186,324,000 |
| Allowance for loan losses | 2,420,000 | 2,739,000 | 2,559,000 | 2,350,000 |
| Securities available for sale | 48,108,000 | 51,240,000 | 52,543,000 | 48,809,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,244,000 | 225,078,000 | 219,321,000 | 217,120,000 |
| Interest-bearing deposits | 197,786,000 | 193,072,000 | 205,700,000 | 203,719,000 |
| Noninterest-bearing deposits | 34,458,000 | 32,006,000 | 13,621,000 | 13,401,000 |
| Equity capital | 20,936,000 | 20,616,000 | 21,090,000 | 21,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,307,000 | 8,783,000 | 13,260,000 | 17,549,000 |
| Interest expense | 1,796,000 | 3,729,000 | 5,699,000 | 7,522,000 |
| Net interest income | 2,511,000 | 5,054,000 | 7,561,000 | 10,027,000 |
| Noninterest income | 461,000 | 1,114,000 | 1,681,000 | 2,336,000 |
| Noninterest expense | 2,032,000 | 4,060,000 | 6,135,000 | 8,176,000 |
| Provision for loan losses | 120,000 | 444,000 | 267,000 | 63,000 |
| Pretax income | 820,000 | 1,664,000 | 2,840,000 | 4,124,000 |
| Income tax | 298,000 | 606,000 | 1,040,000 | 1,492,000 |
| Net income | 522,000 | 1,058,000 | 1,800,000 | 2,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,179,000 | 21,271,000 | 21,175,000 | 21,015,000 |
| Total capital | 23,599,000 | 24,010,000 | 23,734,000 | 23,365,000 |
| Risk-weighted assets | 225,991,000 | 222,824,000 | 221,480,000 | 207,167,000 |