Call reports 2015
COFFEE COUNTY BANK — 2015
What COFFEE COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 135,211,000 | 137,533,000 | 139,034,000 | 141,910,000 |
| Total loans | 105,793,000 | 106,988,000 | 110,076,000 | 110,599,000 |
| Allowance for loan losses | 2,349,000 | 2,266,000 | 2,316,000 | 2,224,000 |
| Securities available for sale | 12,498,000 | 13,722,000 | 12,771,000 | 12,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,434,000 | 118,540,000 | 119,626,000 | 121,402,000 |
| Interest-bearing deposits | 98,829,000 | 100,373,000 | 101,241,000 | 101,843,000 |
| Noninterest-bearing deposits | 17,605,000 | 18,167,000 | 18,385,000 | 19,559,000 |
| Equity capital | 17,085,000 | 17,352,000 | 17,668,000 | 17,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,775,000 | 3,572,000 | 5,436,000 | 7,327,000 |
| Interest expense | 238,000 | 478,000 | 733,000 | 978,000 |
| Net interest income | 1,537,000 | 3,094,000 | 4,703,000 | 6,349,000 |
| Noninterest income | 250,000 | 551,000 | 872,000 | 1,235,000 |
| Noninterest expense | 879,000 | 1,728,000 | 2,626,000 | 3,534,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 260,000 |
| Pretax income | 833,000 | 1,767,000 | 2,726,000 | 3,794,000 |
| Income tax | 55,000 | 116,000 | 179,000 | 247,000 |
| Net income | 778,000 | 1,651,000 | 2,547,000 | 3,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,000,000 | 17,317,000 | 17,558,000 | 17,863,000 |
| Total capital | 18,194,000 | 18,515,000 | 18,787,000 | 19,117,000 |
| Risk-weighted assets | 94,356,000 | 94,746,000 | 97,221,000 | 99,499,000 |