Call reports 2009
COHUTTA BANKING COMPANY, THE — 2009
What COHUTTA BANKING COMPANY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 373,838,000 | 370,793,000 | 382,101,000 | 368,565,000 |
| Total loans | 284,977,000 | 283,953,000 | 274,409,000 | 259,730,000 |
| Allowance for loan losses | 3,720,000 | 4,164,000 | 6,412,000 | 6,196,000 |
| Securities available for sale | 53,011,000 | 49,925,000 | 48,239,000 | 46,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,866,000 | 320,383,000 | 328,988,000 | 315,339,000 |
| Interest-bearing deposits | 279,752,000 | 277,185,000 | 277,970,000 | 267,243,000 |
| Noninterest-bearing deposits | 43,114,000 | 43,198,000 | 51,018,000 | 48,096,000 |
| Equity capital | 32,182,000 | 31,574,000 | 34,662,000 | 35,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,437,000 | 8,915,000 | 13,358,000 | 17,815,000 |
| Interest expense | 1,606,000 | 3,113,000 | 4,479,000 | 5,695,000 |
| Net interest income | 2,831,000 | 5,802,000 | 8,879,000 | 12,120,000 |
| Noninterest income | 603,000 | 1,255,000 | 1,917,000 | 1,578,000 |
| Noninterest expense | 3,134,000 | 6,349,000 | 9,405,000 | 12,495,000 |
| Provision for loan losses | 165,000 | 1,173,000 | 6,644,000 | 7,646,000 |
| Pretax income | 135,000 | -465,000 | -5,029,000 | -6,219,000 |
| Income tax | 37,000 | -213,000 | -1,990,000 | -2,391,000 |
| Net income | 98,000 | -252,000 | -3,039,000 | -3,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,855,000 | 30,500,000 | 33,453,000 | 34,704,000 |
| Total capital | 34,576,000 | 34,397,000 | 37,319,000 | 38,361,000 |
| Risk-weighted assets | 314,203,000 | 321,728,000 | 306,690,000 | 290,073,000 |