Call reports 2019
COVINGTON COUNTY BANK — 2019
What COVINGTON COUNTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 80,816,000 | 79,435,000 | 76,127,000 | 77,930,000 |
| Total loans | 40,529,000 | 39,626,000 | 40,054,000 | 40,571,000 |
| Allowance for loan losses | 77,000 | 81,000 | 55,000 | 66,000 |
| Securities available for sale | 29,603,000 | 29,222,000 | 27,887,000 | 25,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,182,000 | 71,341,000 | 67,872,000 | 69,836,000 |
| Interest-bearing deposits | 43,378,000 | 43,773,000 | 43,290,000 | 43,814,000 |
| Noninterest-bearing deposits | 29,804,000 | 27,568,000 | 24,582,000 | 26,022,000 |
| Equity capital | 7,276,000 | 7,677,000 | 7,761,000 | 7,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 806,000 | 1,548,000 | 2,321,000 | 3,054,000 |
| Interest expense | 165,000 | 350,000 | 549,000 | 731,000 |
| Net interest income | 641,000 | 1,198,000 | 1,772,000 | 2,323,000 |
| Noninterest income | 212,000 | 366,000 | 545,000 | 724,000 |
| Noninterest expense | 577,000 | 1,167,000 | 1,744,000 | 2,409,000 |
| Provision for loan losses | 15,000 | 15,000 | 78,000 | 78,000 |
| Pretax income | 261,000 | 382,000 | 495,000 | 560,000 |
| Income tax | 62,000 | 92,000 | 120,000 | 82,000 |
| Net income | 199,000 | 290,000 | 375,000 | 478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,535,000 | 7,627,000 | 7,712,000 | 7,514,000 |
| Total capital | 7,612,000 | 7,708,000 | 7,767,000 | 7,580,000 |
| Risk-weighted assets | 64,218,000 | 63,596,000 | 62,461,000 | 60,262,000 |