Call reports 2010
COGENT BANK — 2010
What COGENT BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 213,515,000 | 213,397,000 | 211,406,000 | 198,714,000 |
| Total loans | 154,161,000 | 148,674,000 | 147,158,000 | 145,899,000 |
| Allowance for loan losses | 5,169,000 | 6,134,000 | 7,048,000 | 6,899,000 |
| Securities available for sale | 33,172,000 | 32,989,000 | 36,971,000 | 35,122,000 |
| Securities held to maturity | 7,693,000 | 7,693,000 | 7,692,000 | 7,692,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,490,000 | 185,724,000 | 185,695,000 | 174,650,000 |
| Interest-bearing deposits | 175,192,000 | 175,084,000 | 176,160,000 | 164,716,000 |
| Noninterest-bearing deposits | 10,298,000 | 10,641,000 | 9,535,000 | 9,935,000 |
| Equity capital | 17,666,000 | 17,131,000 | 15,102,000 | 13,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,907,000 | 5,782,000 | 8,552,000 | 11,101,000 |
| Interest expense | 1,404,000 | 2,747,000 | 4,063,000 | 5,269,000 |
| Net interest income | 1,503,000 | 3,035,000 | 4,489,000 | 5,832,000 |
| Noninterest income | 176,000 | 315,000 | 465,000 | -193,000 |
| Noninterest expense | 1,613,000 | 3,349,000 | 5,365,000 | 6,610,000 |
| Provision for loan losses | 695,000 | 2,245,000 | 4,507,000 | 5,067,000 |
| Pretax income | -493,000 | -2,108,000 | -4,709,000 | -5,419,000 |
| Income tax | -181,000 | -775,000 | -1,380,000 | -1,379,000 |
| Net income | -312,000 | -1,333,000 | -3,329,000 | -4,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,306,000 | 15,937,000 | 13,196,000 | 12,486,000 |
| Total capital | 18,442,000 | 17,976,000 | 15,174,000 | 14,388,000 |
| Risk-weighted assets | 167,810,000 | 159,013,000 | 153,146,000 | 147,175,000 |
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