Call reports 2011
COGENT BANK — 2011
What COGENT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 205,485,000 | 199,847,000 | 212,638,000 | 201,794,000 |
| Total loans | 138,321,000 | 136,461,000 | 132,599,000 | 129,589,000 |
| Allowance for loan losses | 6,811,000 | 6,815,000 | 5,277,000 | 7,236,000 |
| Securities available for sale | 35,897,000 | 43,673,000 | 59,486,000 | 56,269,000 |
| Securities held to maturity | 7,691,000 | 7,691,000 | 7,691,000 | 7,690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,268,000 | 175,682,000 | 177,839,000 | 173,256,000 |
| Interest-bearing deposits | 169,903,000 | 163,574,000 | 165,512,000 | 162,601,000 |
| Noninterest-bearing deposits | 11,365,000 | 12,108,000 | 12,327,000 | 10,655,000 |
| Equity capital | 13,790,000 | 13,820,000 | 14,487,000 | 8,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,451,000 | 4,927,000 | 7,312,000 | 9,564,000 |
| Interest expense | 1,105,000 | 2,202,000 | 3,229,000 | 4,128,000 |
| Net interest income | 1,346,000 | 2,725,000 | 4,083,000 | 5,436,000 |
| Noninterest income | 120,000 | 149,000 | 160,000 | -258,000 |
| Noninterest expense | 1,330,000 | 2,562,000 | 3,870,000 | 5,593,000 |
| Provision for loan losses | 75,000 | 725,000 | 885,000 | 3,135,000 |
| Pretax income | 61,000 | -413,000 | -8,000 | -2,810,000 |
| Income tax | 0 | 0 | 0 | 2,692,000 |
| Net income | 61,000 | -413,000 | -8,000 | -5,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,553,000 | 12,079,000 | 12,144,000 | 8,590,000 |
| Total capital | 14,436,000 | 13,911,000 | 13,967,000 | 10,363,000 |
| Risk-weighted assets | 145,719,000 | 141,603,000 | 142,350,000 | 136,394,000 |
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