Call reports 2008
COHUTTA BANKING COMPANY, THE — 2008
What COHUTTA BANKING COMPANY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 258,949,000 | 253,307,000 | 365,886,000 | 370,265,000 |
| Total loans | 194,983,000 | 188,563,000 | 279,822,000 | 284,986,000 |
| Allowance for loan losses | 2,275,000 | 1,827,000 | 2,829,000 | 4,541,000 |
| Securities available for sale | 47,312,000 | 48,631,000 | 56,933,000 | 54,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,738,000 | 215,439,000 | 309,747,000 | 314,320,000 |
| Interest-bearing deposits | 202,733,000 | 201,667,000 | 292,529,000 | 296,937,000 |
| Noninterest-bearing deposits | 15,005,000 | 13,772,000 | 17,218,000 | 17,383,000 |
| Equity capital | 21,633,000 | 20,830,000 | 31,391,000 | 32,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,790,000 | 7,265,000 | 15,541,000 | 20,492,000 |
| Interest expense | 1,499,000 | 2,731,000 | 6,145,000 | 8,004,000 |
| Net interest income | 2,291,000 | 4,534,000 | 9,396,000 | 12,488,000 |
| Noninterest income | 630,000 | 1,212,000 | 1,907,000 | 2,576,000 |
| Noninterest expense | 2,062,000 | 4,024,000 | 8,340,000 | 11,761,000 |
| Provision for loan losses | -89,000 | -326,000 | -228,000 | 1,486,000 |
| Pretax income | 948,000 | 2,048,000 | 3,191,000 | 1,817,000 |
| Income tax | 352,000 | 762,000 | 1,207,000 | 656,000 |
| Net income | 596,000 | 1,286,000 | 1,984,000 | 1,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,096,000 | 21,132,000 | 31,532,000 | 30,736,000 |
| Total capital | 23,371,000 | 22,959,000 | 34,361,000 | 34,657,000 |
| Risk-weighted assets | 224,563,000 | 211,304,000 | 310,214,000 | 313,038,000 |