Call reports 2005
COVINGTON COUNTY BANK — 2005
What COVINGTON COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 55,536,000 | 55,230,000 | 58,736,000 | 62,598,000 |
| Total loans | 31,314,000 | 30,616,000 | 31,839,000 | 31,082,000 |
| Allowance for loan losses | 333,000 | 312,000 | 331,000 | 352,000 |
| Securities available for sale | 19,877,000 | 19,607,000 | 18,348,000 | 21,571,000 |
| Securities held to maturity | 75,000 | 75,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,915,000 | 48,275,000 | 51,677,000 | 55,842,000 |
| Interest-bearing deposits | 43,326,000 | 42,626,000 | 42,425,000 | 45,728,000 |
| Noninterest-bearing deposits | 5,589,000 | 5,649,000 | 9,252,000 | 10,114,000 |
| Equity capital | 5,825,000 | 6,174,000 | 6,226,000 | 5,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 719,000 | 1,445,000 | 2,200,000 | 3,024,000 |
| Interest expense | 203,000 | 419,000 | 651,000 | 905,000 |
| Net interest income | 516,000 | 1,026,000 | 1,549,000 | 2,119,000 |
| Noninterest income | 85,000 | 171,000 | 246,000 | 318,000 |
| Noninterest expense | 334,000 | 683,000 | 1,020,000 | 1,449,000 |
| Provision for loan losses | 14,000 | 27,000 | 46,000 | 184,000 |
| Pretax income | 253,000 | 487,000 | 729,000 | 804,000 |
| Income tax | 81,000 | 150,000 | 215,000 | 234,000 |
| Net income | 172,000 | 337,000 | 514,000 | 570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,936,000 | 6,102,000 | 6,250,000 | 6,043,000 |
| Total capital | 6,269,000 | 6,414,000 | 6,581,000 | 6,395,000 |
| Risk-weighted assets | 39,038,000 | 36,081,000 | 37,741,000 | 38,117,000 |
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