Call reports 2009
COVINGTON COUNTY BANK — 2009
What COVINGTON COUNTY BANK 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 | 54,406,000 | 55,238,000 | 55,212,000 | 56,603,000 |
| Total loans | 27,862,000 | 25,645,000 | 24,338,000 | 23,394,000 |
| Allowance for loan losses | 359,000 | 358,000 | 356,000 | 221,000 |
| Securities available for sale | 22,516,000 | 21,227,000 | 22,122,000 | 23,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,390,000 | 48,400,000 | 47,822,000 | 49,639,000 |
| Interest-bearing deposits | 33,980,000 | 34,673,000 | 34,006,000 | 33,850,000 |
| Noninterest-bearing deposits | 13,410,000 | 13,727,000 | 13,816,000 | 15,789,000 |
| Equity capital | 6,515,000 | 6,371,000 | 6,515,000 | 6,110,000 |
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 | 766,000 | 1,461,000 | 2,112,000 | 2,743,000 |
| Interest expense | 232,000 | 423,000 | 604,000 | 761,000 |
| Net interest income | 534,000 | 1,038,000 | 1,508,000 | 1,982,000 |
| Noninterest income | 98,000 | 198,000 | 308,000 | 426,000 |
| Noninterest expense | 494,000 | 968,000 | 1,463,000 | 2,007,000 |
| Provision for loan losses | 15,000 | 42,000 | 59,000 | 102,000 |
| Pretax income | 123,000 | 226,000 | 294,000 | 299,000 |
| Income tax | 24,000 | 42,000 | 66,000 | 66,000 |
| Net income | 99,000 | 184,000 | 228,000 | 233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,636,000 | 6,722,000 | 6,765,000 | 6,542,000 |
| Total capital | 6,995,000 | 7,080,000 | 7,121,000 | 6,763,000 |
| Risk-weighted assets | 54,551,000 | 52,431,000 | 52,564,000 | 53,541,000 |
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