Call reports 2018
COVINGTON COUNTY BANK — 2018
What COVINGTON COUNTY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 79,255,000 | 77,396,000 | 77,913,000 | 80,560,000 |
| Total loans | 35,898,000 | 34,412,000 | 36,426,000 | 38,946,000 |
| Allowance for loan losses | 112,000 | 151,000 | 142,000 | 104,000 |
| Securities available for sale | 31,712,000 | 29,592,000 | 28,870,000 | 29,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,124,000 | 70,110,000 | 70,468,000 | 73,481,000 |
| Interest-bearing deposits | 41,054,000 | 41,400,000 | 41,743,000 | 42,269,000 |
| Noninterest-bearing deposits | 31,070,000 | 28,710,000 | 28,725,000 | 31,212,000 |
| Equity capital | 6,604,000 | 6,702,000 | 6,797,000 | 6,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 701,000 | 1,405,000 | 2,128,000 | 2,854,000 |
| Interest expense | 100,000 | 210,000 | 333,000 | 486,000 |
| Net interest income | 601,000 | 1,195,000 | 1,795,000 | 2,368,000 |
| Noninterest income | 170,000 | 309,000 | 464,000 | 711,000 |
| Noninterest expense | 535,000 | 1,084,000 | 1,660,000 | 2,291,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 236,000 | 420,000 | 600,000 | 604,000 |
| Income tax | 58,000 | 102,000 | 146,000 | 105,000 |
| Net income | 178,000 | 318,000 | 454,000 | 499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,313,000 | 6,473,000 | 6,608,000 | 6,337,000 |
| Total capital | 6,425,000 | 6,624,000 | 6,750,000 | 7,441,000 |
| Risk-weighted assets | 61,580,000 | 58,480,000 | 60,392,000 | 64,198,000 |
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