Call reports 2009
COGENT BANK — 2009
What COGENT 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 | 205,392,000 | 215,240,000 | 220,115,000 | 219,296,000 |
| Total loans | 163,147,000 | 163,215,000 | 161,095,000 | 159,832,000 |
| Allowance for loan losses | 2,083,000 | 2,075,000 | 3,853,000 | 5,002,000 |
| Securities available for sale | 28,898,000 | 31,948,000 | 34,269,000 | 32,827,000 |
| Securities held to maturity | 7,695,000 | 7,694,000 | 7,694,000 | 7,693,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,980,000 | 188,108,000 | 192,222,000 | 190,921,000 |
| Interest-bearing deposits | 160,148,000 | 173,022,000 | 179,729,000 | 180,346,000 |
| Noninterest-bearing deposits | 14,832,000 | 15,086,000 | 12,493,000 | 10,575,000 |
| Equity capital | 16,740,000 | 16,407,000 | 17,059,000 | 18,017,000 |
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 | 3,255,000 | 6,525,000 | 9,751,000 | 12,916,000 |
| Interest expense | 1,698,000 | 3,307,000 | 4,960,000 | 6,518,000 |
| Net interest income | 1,557,000 | 3,218,000 | 4,791,000 | 6,398,000 |
| Noninterest income | 57,000 | 121,000 | 259,000 | 417,000 |
| Noninterest expense | 1,044,000 | 2,328,000 | 3,408,000 | 4,669,000 |
| Provision for loan losses | 261,000 | 906,000 | 3,413,000 | 5,573,000 |
| Pretax income | 309,000 | 105,000 | -1,432,000 | -3,088,000 |
| Income tax | 91,000 | 15,000 | -608,000 | -1,300,000 |
| Net income | 218,000 | 90,000 | -824,000 | -1,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,695,000 | 15,579,000 | 16,814,000 | 17,899,000 |
| Total capital | 17,778,000 | 17,654,000 | 18,993,000 | 20,099,000 |
| Risk-weighted assets | 169,088,000 | 171,661,000 | 172,620,000 | 173,212,000 |
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